Tickets and your Insurance Rates

By: Lee Romanov

Tickets issued under the Highway Traffic Act, Insurance Act or Criminal Code appears on your

driver abstract and affects your insurance rate.

Car insurance rates between auto insurance companies can vary by hundreds, even thousands of

dollars. The easiest way to find which insurance companies offer the lowest prices is to do an

online rate search. offers free rate searches for consumers. This article

tells you the types of tickets that affect your insurance rate.

Ticket Classifications: Tickets are divided into 3 classifications: minor, major and serious

convictions, which include criminal acts. All ticket classifications, regardless of demerit

points, affect your insurance rate.

Parking Tickets: Parking tickets do not affect your driver's license, insurance record or

appear on your driver's abstract. The only consequence of not paying a parking ticket means

that your license plate will not be renewed. In other words, you will not be able to get your

renewal "sticker" unless you pay for your parking tickets.

Minor, Major and Serious Convictions: Here's a list of the ticket classifications and the

various types of minor, major, serious, and criminal convictions that will affect your

insurance rate:

Minor Tickets
? Crowding Driver's Seat
? Defective Brakes
? Drivers License Violations
? Failing To Share The Road
? Failing To Signal
? Failure To Use Seatbelts
? Failing To Yield
? Failing To Yield To A Pedestrian
? Failure To Surrender Your License
? Failure To Produce Evidence Of Insurance
? Failure To Produce Or Carry Insurance Card
? Following Too Closely
? Headlight Offenses
? Improper Driving In A Bus Lane
? Improper Lane Change
? Improper Opening Of Door
? Improper Passing
? Improper Towing
? Improper Turn
? Improper Use Of Divided Highway
? Insecure Load
? Obstructing Traffic
? Overloading
? Use Of Radar Warning Device
? Improper Railway Crossing
? Speeding
? Stop Sign Infraction
? Traffic Light Infraction
? Trailer Passenger
? Unnecessary Noise
? Unnecessary Slow Driving
? Unsafe Move
? Unsafe Or Prohibited Turn
? Unsafe Vehicle
? View Obstructed
? Wrong Way On One Way
? Obstruction Of View
? Obstruction Of License Plate
? Driving without an up to date Inspection Sticker

Major Tickets
? Speeding 60 mph over posted speed limit (or set limit in your province or state)
? Failing To Report An Accident
? Failure To Report Damage To Highway Property
? All Insurance Offenses
? False Statement Of Insurance
? Operating Motor Vehicle With No Insurance
? Driving With No Insurance
? Produce False Evidence
? Driving In Contravention Of Restrictions
? School Zone, Improper Passing Zone
? School Bus, Improper Passing, Fail To Stop
? Speeding in a construction zone is double the fines and points

Serious & Criminal Tickets
? Driving Impaired, Blood Alcohol Over .08 (or set limit in your province or state)
? Careless Driving; Undue Care Or Attention
? Criminal Negligence
? Dangerous Driving
? Driving While Under Suspension
? Failing To Obey Police
? Failing To Remain At An Accident Scene
? Motor Manslaughter
? Racing
? Refuse Breathalyzer
? Stunting / Drag Racing
? All Serious Convictions; Can Be Unspecified

License Ramifications

Driver's Abstract, What Is It? It's a document issued by your State's Department of Motor

Vehicles that reports on the status of your license. It states the type of license you have,

and lists all the tickets you've been convicted of in the last 5 years. It lists your renewal

date, the date you were first licensed and any license suspensions, or reinstatements.

For a small fee, usually around $10, you can get your Driver's Abstract from the DMV or

corresponding office in your state.

Demerit Points: Drivers convicted of driving offenses begin with zero demerit points and

accumulate points for convictions. Demerit points stay on your record for 3 years from the

offense date. However, for more serious offences they can stay on your record 10 years. Too

many points can cause a suspension of your license. The Ministry of Transportation assigns

demerit points.
Demerit points only determine if your driver's license is going to be renewed or if the driver

needs to be re-tested. Here's how demerit points work.

Demerit Points for a Speeding Ticket:
* 01 to 10 mph over the limit = 3 points
* 11 to 20 mph over the limit = 4 Points.
* 21 to 30 mph over the limit = 6 Points.
* 31 to 40 mph over the limit = 8 Points
* More than 40 mph = 11 points (varies from state to state)

If a driver accumulates 10 points the DMV has the option to suspend their license for 30 days.

At 15 demerit points the ministry will suspend their license for 30 days.

Points have no bearing on your insurance. To your insurance company, a ticket is a ticket,

whether or not it has demerit points, it will affect your insurance rate.

A license suspension severely affects your insurance rates. If you fail to attend a hearing, or

fail to give good reasons for needing to keep your license, your license may be suspended.


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