DEFENDING DRIVERS ACROSS TORONTO, ON

NO INSURANCE OR ID CHARGE

Driving without insurance Ontario is something you should never do. It is estimated that more than 2,000 uninsured vehicles are involved in accidents each year in Ontario, and about 2% of all drivers do not have proper insurance.

Driving without insurance Ontario is not a criminal offence. It is an offence under the Compulsory Automobile Insurance Act of Ontario (CAIA), meaning that if you are caught, you could face significant fines for driving without insurance, but it will not go on a criminal record. Unless you are involved in a criminal act while driving without insurance, you will not be arrested.

What Are The Driving Without Insurance Laws In Ontario?

Under section 2 of the CAIA:

2 (1) Subject to the regulations, no owner or lessee of a motor vehicle shall,

  • operate the motor vehicle; or
  • cause or permit the motor vehicle to be operated on a highway unless the motor vehicle is insured under a contract of automobile policy.

There are many factors to take into consideration when fighting a no insurance or ID ticket in Ontario, we always recommend reaching out for professional legal advice.

What Happens If You Are Caught Driving Without Insurance?

Section 3 of the CAIA outlines the penalty:

(3) Every owner or lessee of a motor vehicle who,

  • contravenes subsection (1) of this section or subsection 13 (11); or
  • 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 coverage 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.

The fine for driving without insurance in Ontario varies based on the offence:

  • First offence: Fines for driving without insurance start at $5000 and could be as high as $25,000.
  • Second offence: Fines for driving without insurance start at $10,000 and could reach as high as $50,000.

In addition to the fines for driving without insurance Ontario, there are other penalties:

  • Suspension: You could face a driver’s licence suspension for up to one year.
  • Impound: You could have your vehicle impounded for up to three months.
  • Additional fees: The Provincial Offences Act tacks on an additional 25% surcharge to your fine.

The fine for driving without insurance is five thousand ($5000.00) dollars, plus a surcharge (tax) of approx. twenty percent (20%) for a first offence.

This means if you are caught driving without insurance the total fine is six thousand two hundred and fifty ($6,250.00) dollars.

Where there is a subsequent conviction the fine doubles each time.

As part of your first offence for driving without insurance in Ontario, your driver’s licence will be suspended for a minimum of 30 days. You could lose your driver’s licence for up to one (1) year.

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Are there demerit points for no insurance?

There are no demerit points for driving without insurance. 

Upon being stopped by the police, the owner is responsible for having valid liability insurance, but the driver must produce it.

The owner does not have to be driving the vehicle to be charged. Under the Compulsory Automobile Insurance Act the officer has three (3) years to issue a charge for Operate Motor Vehicle Without Insurance.

There is a significant difference between driving without valid insurance and failure to show proof of insurance. You can receive a ticket for both infractions, but the fines for not having it are much more severe.

Borrowing a vehicle or driving your parents’ car for example and not having your own insurance are not an issue, if the vehicle owner has an active policy attached to the vehicle.

If you are keeping a vehicle, but will not be driving it, you won’t require collision insurance but it is a good idea to have comprehensive insurance to protect it from risks associated with a parked car including a fallen tree, weather damage, or theft.

Is your licence suspended because of unpaid fines?

Our team will work effectively to file the necessary court documents immediately: 1. Notice of Appeals 2. Motions to Extend the Time to File an Appeal 3. Organize extensions of time to pay your fines with easy payment plans
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FAQ

Driving Without Insurance in Ontario

Is it illegal to drive without insurance in Ontario?

Yes, driving without insurance in Ontario is illegal under the Compulsory Automobile Insurance Act (CAIA). It’s not a criminal offence but can lead to significant fines.

What are the fines for driving without insurance in Ontario?

Fines start at $5,000 and can go up to $25,000 for a first offence. For a second offence, fines range from $10,000 to $50,000. There’s also a 25% surcharge added to these fines.

Are there any demerit points for driving without insurance in Ontario?

No, there are no demerit points assigned for driving without insurance, but it can lead to other significant penalties.

What happens if I'm involved in an accident without insurance in Ontario?

If involved in an accident without insurance, you’ll be personally liable for all vehicle repairs and medical bills. Additionally, you could face fines or charges for driving without insurance.

How does driving without insurance affect future insurance premiums?

Being convicted of driving without insurance can lead to increased insurance premiums, as insurers may consider you a high-risk driver. It can also lead to difficulties in obtaining insurance coverage.

What if I'm caught driving a vehicle without insurance that isn't mine?

If you’re caught driving a vehicle without insurance, both the driver and the vehicle owner can face penalties. It’s essential for vehicle owners to ensure their vehicles are insured.

Can I drive without collision insurance in Ontario?

While you can legally drive without collision insurance, it’s mandatory to have liability insurance. Collision insurance is optional but recommended for additional protection.

What should I do if I'm charged with driving without insurance in Ontario?

If charged, stop driving immediately and seek to insure your vehicle as soon as possible. It’s also advisable to get legal advice to understand your options and potential defenses.

How long does a driving without insurance conviction stay on my record in Ontario?

A conviction for driving without insurance stays on your driving record for life in Ontario, affecting future fines and legal implications for subsequent offences.

Understanding the Full Spectrum of Driving Without Insurance in Ontario

1. Unintentional Lapses in Insurance Coverage

Many drivers in Ontario face the challenge of unintentional insurance lapses. It’s vital to ensure continuous coverage, as even a day without insurance can lead to substantial fines. Always verify your policy’s status, especially when switching insurers, to avoid unexpected penalties.

2. Consequences of Accidents Without Insurance

Driving without insurance in Ontario and getting involved in an accident can have dire consequences. You’ll be personally liable for all vehicle repairs and medical bills. In cases where you’re at fault, the financial burden can be overwhelming, highlighting the importance of always maintaining valid insurance.

3. Post-Violation Insurance Challenges

After being fined for driving without insurance, finding a new insurer can be a daunting task. Many insurance companies may refuse to provide coverage, forcing you to seek high-risk car insurance options. This situation underscores the necessity of adhering to insurance requirements.

4. Legal Responsibilities of Vehicle Owners

Under the Compulsory Automobile Insurance Act of Ontario, vehicle owners are required to insure their vehicles with liability coverage before hitting the road. Even if you’re not the driver, as an owner, you’re liable if someone else drives your uninsured vehicle.

5. Long-Term Impacts of Driving Without Insurance

Driving without insurance in Ontario doesn’t just result in immediate fines but also long-term repercussions. Insurance companies may hike your premiums significantly or even cancel your policy. Being categorized as a high-risk driver can have lasting financial impacts.

6. License Suspensions and Record Implications

Failing to pay fines for driving without insurance can lead to the automatic suspension of your driver’s license. Moreover, such a conviction stays on your driving record for life, escalating the severity of penalties for any future offenses.

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Demerit points across ontario

Did you know...

7 Points – Failing to Remain at Scene of Accident

7 Points – Driver failing to stop when signaled or requested to by a police officer

6 Points – Careless Driving

6 Points – Racing

6 Points – Failing to Stop for School Bus

6 Points – Exceeding Speed limit by 50 Kilometers per hour or more

5 Points – Driver of public vehicle or School Bus failing to stop at Railway Crossings

4 Points – Exceeding Speed limit by 30-49 Kilometers per hour

4 Points – Following too closely

3 Points – Exceeding Speed limit by 16-29 Kilometers per hour

3 Points – Driving through, around, or under Railway Crossing Barrier

3 Points – Failing to Yield Right of Way

3 Points – Failing to obey a stop sign, signal light or Railway Crossing Signal

3 Points – Failing to Obey directions of police constable

3 Points – Driving or operating a vehicle on a closed highway

3 Points – Failing to report an accident

3 Points – Improper passing

3 Points – Improper Driving where highway divided into lanes

3 Points – Crowding Driver’s Seat

3 Points – Drive Wrong Way – Divided Highway

3 Points – Cross Divided highway – No proper crossing provided

3 Points – Wrong Way in one way Street or Traffic

3 Points – Failing to slow down and proceed with caution when approaching stopped emergency vehicle

3 Points – Failing to move into another lane when approaching stopped emergency vehicle – if safe to do

2 Points – Backing on a highway

2 Points – Pedestrian Crossover

2 Points – Failing to share road

2 Points – Improper Right Turn

2 Points – Improper Left Turn

2 Points – Failing to Signal

2 Points – Unnecessary Slow Driving

2 Points – Failing to lower headlamp beam

2 Points – Improper opening of vehicle door

2 Points – Prohibited Turns

2 Points – Towing of persons on toboggans, bicycles, skis, etc. prohibited

2 Points – Failing to obey sign prescribed by regulation under subsection 182(1)

2 Points – Driver failing to wear complete Seatbelt assembly

2 Points – Driver failing to ensure passenger under 16 years wears complete seatbelt assembly

2 Points – Driver failing to ensure child passenger under 23 Kilograms occupies position with seatbelt

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Simply fill out our form telling us about your ticket. Upload a photo of your ticket and drivers licence or photo ID and we’ll be in touch with you within 2 business days to discuss how to proceed with our services and what you can expect. This initial review and consultation is free of charge, so book now.

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5/5
Thank you very much Street Legal! I was in contact with Jackie and her staff who were awesome. Their services were very informative and made me feel comfortable throughout the process. Very professional and well worth every penny. I was able to receive the best of all possible outcomes. No points deducted and no fine paid. I would highly recommend their services. Thank you once again, you made my holiday!
Wafa K
1 Month Ago
5/5
Jackie and her staff were very helpful and accommodating to me with payment plans and were always nice and courteous. It took me a while to get the balance down and they always gave me kind and gentle reminders and nice phone calls. Jackie actually got me off for one of my tickets!! No demerit points no charge!! Very impressed and happy with her and the team at street legal. Nice women doing good things and helping people.
Linsay Mercier
3 Months Ago
5/5
I am very pleased with the services Jackie at Street Legal provided, the outcome of the case was favourable. Jackie has been very helpful from the first day of consultation up to the trial date. I highly recommend Jackie, she is very professional and achieved excellent results.
Gabe Di Pede
3 Months Ago
5/5
Special thanks to Jackie and Team for your excellent efforts in resolving my ticket issue. The Street Legal Team were persistent during the pandemic and favorably resolved my case. Thanks so much!!! I would recommend to everyone.
Kevin Gilbert
1 Month Ago
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Jackie is fantastic at what she does! I was accused of driving 43 over the limit on a highway and I was a bit scared that I wouldn’t stand a chance to win the case. But jackie was very confident that she would get the charges withdrawn. And of course she got the case withdrawn fully. No demerit point, No fine. I’m so grateful for your help on this one jackie. And I also want to say thank you to Amanda, who helped me on the case. Anyone looking for a legal help on you traffic tickets, look no other. Jackie is the real deal!!
Leul
2 Months Ago
5/5
Thank you Jackie for helping me fight the traffic ticket which was dismissed. I have been used Street Legal couple times and every time Jackie has the ticket dismissed. She explained the process and advice the option clearly. I am satisfied with the service. Thank You.
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