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?
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.
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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