Impact on Insurance and Driving Record
One conviction for operating a car without insurance can cause your car insurance rates to skyrocket or cancel your premiums altogether. Most car insurance companies treat no insurance violations as serious offences and do not take them lightly. If you are involved in a traffic accident while your car is not insured, you may be sued as well. If you are charged with an offence, contact us for a professional evaluation of your ticket and let our court experience work for you.
Defenses Against Insurance Charges
Notwithstanding the very serious nature of insurance charges, there are a number of defenses that are applicable and often ignored. Each case should be viewed on its unique circumstances to ascertain chances of success. Traffic Law Paralegal Services can fight Ontario charges of driving without insurance tickets, permitting operation without insurance, producing invalid insurance, and other related charges. We have successfully defended allegations for many years and are confident we can help you. We defend all allegations in Mississauga, Brampton, Toronto, and other GTA courts.
No Insurance Law
Insurance charges are governed by the operation of the Compulsory Automobile Insurance Act.
Compulsory Automobile Insurance
2. (1) Subject to the regulations, no owner or lessee of a motor vehicle shall,
(a) operate the motor vehicle; or
(b) cause or permit the motor vehicle to be operated,
on a highway unless the motor vehicle is insured under a contract of automobile insurance.
Driving Without Insurance - Offence
(3) Every owner or lessee of a motor vehicle who,
(a) contravenes subsection (1) of this section or subsection 13 (2); or
(b) surrenders an insurance card for inspection to a police officer, when requested to do so, purporting to show that the motor vehicle is insured under a contract of automobile insurance when the motor vehicle is not so insured,
is guilty of an offence and is liable on a first conviction to a fine of not less than $5,000 and not more than $25,000 and on a subsequent conviction to a fine of not less than $10,000 and not more than $50,000 and, in addition, his or her driver's licence may be suspended for a period of not more than one year.
Penalty for False Insurance Offence
(2) A person who contravenes this section is guilty of an offence and is liable on a first conviction to a fine of not less than $10,000 and not more than $50,000 and on a subsequent conviction to a fine of not less than $20,000 and not more than $100,000.
If you are charged for driving without insurance in Ontario, fill out the No Insurance consultation request or call for help today! (905)206-9080
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Frequent Questions about Driving Without Insurance in Ontario
What is the minimum fine for driving without insurance in Ontario?
The minimum fine for a first conviction of driving without insurance under the Compulsory Automobile Insurance Act is $5,000. This amount is subject to an additional 25% victim fine surcharge, bringing the total minimum penalty to $6,250. Fines can reach up to $25,000 for a first offence.
What are the other penalties for driving without insurance besides the fine?
In addition to the substantial fine, other penalties may include a driver's license suspension for up to one year, significantly increased future auto insurance premiums, or even the **cancellation** of your existing insurance policy. A conviction is treated as a serious offence that severely impacts your driving record.
How does a driving without insurance conviction affect my car insurance rates?
A conviction for driving without insurance is a major red flag for insurance companies. It will almost certainly cause your car insurance rates to skyrocket and may lead to your current insurer cancelling your policy, forcing you to seek much more expensive high-risk insurance.
Can a paralegal help me fight a driving without insurance ticket in the GTA?
Yes, Traffic Law Paralegal Services defending against charges of driving without insurance, permitting operation without insurance, and related offences. We defend all allegations in courts across the GTA, including Mississauga, Brampton, and Toronto. We can explore applicable defenses based on the unique circumstances of your case to protect your driving record and license.
What are the key defenses against a no insurance charge in Ontario?
Despite the serious nature of the charge, there are several defenses that may be applicable. Defenses often involve challenging the evidence, proving you did have valid insurance at the time, or addressing legal technicalities related to the charge itself. Traffic Law Paralegal Services reviews each case individually to determine the best defense strategy to fight your no insurance ticket.
What we do
Traffic Law Paralegal Services is based in Mississauga and has been defending traffic violations and summary criminal offences in Ontario for over two decades. We fight traffic tickets in Mississauga, Toronto and other municipalities in Ontario.
At Traffic Law you will receive experienced and competent defense services fighting traffic and criminal charges (summary offences). Most common allegations include careless driving tickets, stunt driving, no insurance and more.
About Traffic Law Paralegal Services
Serhiy Senatorov is an owner of Traffic Law Paralegal Services and is a former vice-president of the Licensed Paralegals Association (Ontario), former vice-president and founding board member of the Ontario Paralegals Association, and a regular speaker on continuing professional development for paralegals, lawyers, and Justices. Serhiy Senatorov has been providing reliable defense for over 20 years and is confident to help you.