What Types of Convictions or Accidents Affect My Auto Insurance?
The following is a list of the three types of convictions that will affect your insurance rates. To ensure you qualify for cheaper auto insurance rates, it is best to avoid convictions that fall into each category:
Ontario insurance companies recognize convictions under any act governing highway traffic or under any other act for any offence substantially the same whether committed within or outside Canada or any conviction which appears on a Driver Record abstract or is identified as a criminal, major or minor conviction.
Criminal Code/Serious Convictions
• Driving without insurance
• Speeding 50km/h or more over the limit
• Operate motor vehicle – no insurance CAIA
• Criminal negligence committed in the operation or use of a motor vehicle
• Manslaughter committed in the operation or use of a motor vehicle
• Driving while license under suspension
• Careless driving
• Driving without due care and attention
• Driving without an interlock device where its installation is a requirement for license reinstatement
• Dangerous driving
• Impaired driving
• Failure or refusal to submit to a breath or blood test
• Failure to pass a breath or blood test
• Failure to stop/remain at the scene of an accident
• Class G1/G2/M1/M2 failing/refusing breath sample
• Class G1/G2//M1/M2 and G (age 21 and under) drive with alcohol in blood
Failing to report an accident
Fail to report damage to highway property
Failure to stop on request of or obey directions of a police officer
Failing, in the event of an accident, to give name and licence number to thepolice or any other person entitled to such information
Fail to obey school crossing stop sign
Improper passing of a school bus
Improper passing/speeding in a school or playground zone
Vehicle owner without insurance
Producing false proof of insurance
Fail or refuse to surrender licence
Fail to produce evidence of insurance
Fail to carry/have insurance card
Fail to notify police
Fail to make written report
Backing up – unsafe/illegal/improper – any type
Brakes – none/inadequate/improper – any type
Crowding driver’s seat
Door opening – illegal/obstructing traffic – any type
Emergency vehicle – operating with no regard for safety
Driving off roadway (including shoulder/sidewalk/median) – any type
Flagman – disobeying
Following too closely (including tailgating)
Using a hand-held wireless communication device
Headlights/parking lights – improper/lack of use – any type
Lack of control of vehicle – any type
Motor assisted bicycle – carrying passengers
Motorcycle – operating with only an instruction permit
Motorcycle – failure to wear helmet
Passing infraction – any type except school bus or school/playground zone
Pedestrian crossing violation – any type
Radar warning device in motor vehicle – if illegal in province/territory
Railway crossing - any type
Safety zone violation – any type
Seatbelt – any type
Signaling offences – any type
Slow driving – endangering others – any type
Smokescreen device on vehicle
Speeding – any type, except when listed as major or criminal code/serious
Stopping – illegal/improper – any type
Tires – defective/worn – any type
Towing – prohibited/unsafe – any type
Traffic signals/regulation lights – any type
Traffic signs – disobeying any legal sign except parking regulations
Trailer – improper attachments/improper towing
Turns – illegal/improper – any type
Unlicensed driver – any type including improper licence class
Unsafe vehicle – any type
Wrong side of road/wrong way – any type
Yield, failing to – any type including failing to yield to a public bus
If you have any other questions concerning past convictions or accidents and how they can be rated on your auto insurance policy, please feel free to call Kyle Wijnands at 519-393-3246 so that he can answer your specific question. To get an auto insurance quote now, please click the link below. Kyle can them follow up with you shortly to see if there is anything else that can be done to get you cheaper and better auto insurance.
"We have been with Tradition Mutual Insurance for 60 plus years Kyle is one of the BEST agents we have ever had Full marks on everything!"
I have my car insurance with Tradition Mutual Insurance and am very pleased with the rates as well as the service I have experienced. Kyle will be sure to provide you with excellent customer service answering any question you may have thoroughly and honestly. He has excellent communication skills and does well to ensure that your insurance needs are met and exceeded.
Kyle found me a much better fit for my auto insurance for a cheaper price and was very easy and pleasant to work with! Kyle was very prompt and responsive and never pushy or sales-y. Super great to work with!"
More than the cheapest car insurance but the best customer service and claim experiences you will find in Ontario, Canada
Find a cheap car insurance quote for these Ontario cities and towns:
Frequently asked auto insurance questions:
Ways to get cheaper auto insurance in Ontario:
New Driver Discounts
If you have auto and home/tenant insurance, you can save on both policies
If you have auto and home/tenant insurance, you can save on both policies
If you have more than one vehicle in the household insured, car insurance rates are cheaper
Paying annually instead of monthly will make your auto insurance premiums cheaper.
Take Driver Training
For new drivers, having driver's training helps to lower auto rates and get cheaper insurance.
Pay on Time
If you pay on time, your insurance record won't have any cancellations for non-payment and will get you cheaper rates.
Typically, the statistics for those who are married are better and can get you cheaper auto rates.
Have a Clean Record
At fault collisions, convictions, dangerous driving charges etc make premiums higher. A clean record means cheaper auto rates.
Low KM Use
The lower the usage of the vehicle, the cheaper the insurance.
Shop & Compare
Rates range from company to company. Look around to see what is the best and cheapest.
The deductible is what you pay before the insurance company does. Higher deductibles make car insruance rates cheaper.
Discounts are available for having winter tires on your vehicle during the snowy season.
Mandatory Car Insurance Coverages Required in Ontario
For bodily injury or property damage of someone else, costs are covered for you.
If you are are not at fault, damages to your car are covered.
If an uninsured driver is negligent, medical costs and physical damages are covered.
Regardless of fault, medical and other expenses you are eligible to receive are paid out. have entitled to receive are covered.
Optional and Enhanced Auto Insurance Coverages
Protects your vehicle from damage caused by perils like fire, hail or theft (besides collision or upset.)
Collision or Upset
Protects your vehicle from losses such as collision with another vehicle or object.
Combines collision or upset and comprehensive coverage and also includes increased theft coverage.
With this protection, provided that you are not charged with a careless, your rates won't increase if you have a partial or 100% at fault accident.
Rental Car Coverage
Liability for damage to non-owned Automobile(s) when insured persons rent other automobiles. Contact for further details.
Coverage for reasonable expenses incurred in
renting a similar substitute automobile or obtaining alternate transportation while
the insured vehicle is out of use as a result of an insured loss.
If eligible, vehicle can qualify for 24 months of replacement cost coverage instead of the depreciated value at the time of loss.
If the other motorist has
insufficient insurance, additional protection is available for you subject to liability limits and policy agreements.