Skip to main content


What Does a "No Insurance" Charge Mean in Ontario?

In Ontario, driving without insurance is a serious offense. This is covered under the Compulsory Automobile Insurance Act (CAIA), specifically in section 2. The law requires all drivers in Ontario to have a valid insurance policy. If you're found driving without one, you'll face a hefty fine starting at $5,000, plus an additional 25% court fee, totaling $6,250.

Facing Court for a No Insurance Charge: What to Expect?

When you're summoned to court for this charge, you'll first meet with the prosecutor. Many drivers try to explain their reasons for not having insurance, but it's important to know that the minimum fine is set at $5,000, and typically, the prosecutor can't reduce this amount.

How to Contest a "No Insurance" Charge in Ontario?

Step-by-Step Guide to Fighting a No Insurance Ticket



- Immediate Action: As soon as you're charged, ensure you obtain a valid insurance policy.

- Court Appearance: Arrive early for your first court date mentioned on your ticket.

- Understanding the Evidence: Request a copy of your disclosure (evidence) to know what you're up against.

- Decision Time: Decide whether to plead, seek an adjournment for further review, or set a trial date.

- Legal Review: If you choose to adjourn, use this time to understand your legal options and thoroughly review your disclosure.

- Repeat Appearance: Show up on your adjournment date and decide your next steps.



Is a Pink Slip Enough Proof of Insurance?

A common misconception is that a pink slip is sufficient proof of insurance. However, a pink slip only indicates insurance coverage for a specific period. It does not prove continuous coverage. For instance, you might have a pink slip valid until September, but if you canceled your policy in March, you're not insured.

Can I Challenge the Charge at Trial?

Yes, you have the right to challenge the charge in court. However, your defense must demonstrate that you had valid insurance at the time you were pulled over.

What If I Didn't Have Insurance? Can I Still "Fight" the Charge?

In cases where you were indeed uninsured, your focus shifts from contesting the charge to mitigating the penalty, particularly the $5,000 fine. This is where seeking legal advice becomes crucial. A legal expert can offer strategies and options to potentially reduce the financial impact.



https://youtu.be/eyrqtTWSKfk https://www.nextlaw.ca/2020/09/24/how-to-fight-a-no-insurance-ticket-in-ontario/

Comments

Post a Comment

Popular posts from this blog

DUI - Blow a 'Warn' or over 0.05. What happens next? - What happens when the Police make you take a roadside breath test and the result comes back as a "Warn”? - First, some important context. - The Police will make you take a breath test if they suspect that you've consumed alcohol while driving or in the care or control of a vehicle. - At the roadside, you'll be asked to blow into a device. - This device will come back with three possible results. - Pass, which means you've done nothing wrong. - Fail, which indicates that your blood alcohol concentration level is above 80.   - At this point, the Police will place you under arrest and will take you to the Police station to undergo further alcohol testing. - The third possible result is a "warn." - That means that the device detected alcohol in your system above 50 but below 80, which would place you under arrest. - However, there are consequences of blowing in this ...
Post a Comment
Read more
Distracted driving has become one of the most significant road safety issues in Ontario and across Canada in recent years. To address this growing problem, the Ontario government introduced Section 78(1) of the Highway Traffic Act, which prohibits using hand-held devices while driving. This article provides a detailed overview of Section 78(1), its implications for drivers, and its impact on road safety in Ontario. Background and Context With the proliferation of smartphones and other mobile devices, distracted driving emerged as a significant concern. Studies have shown that using a phone while driving significantly increases the risk of accidents. In response, Ontario first banned hand-held devices while driving in 2009. Section 78(1) was later introduced to strengthen and clarify these laws. Key Provisions of Section 78(1) - Section 78(1) of the Highway Traffic Act states: "No person shall drive a motor vehicle on a highway while holding or using a hand-held wireless co...
Post a Comment
Read more
This is BAD for your DUI Case - In this article, I will explain what increases the seriousness of your DUI case. - This is an important topic because a more serious DUI case will significantly impact your legal process and the outcome you may face. _____________________ ✅   Take our DUI Arrest Test _____________________ ✅   Book a free, confidential call with lawyer, Dan Joffe ____________________ - There’s something called aggravating factors that can impact the gravity of your Impaired Driving, Over 80 or Refusal Breathalyser case. - In plain English, it means there’s evidence surrounding your DUI, which increases the severity of what happened. - Here are some examples of aggravating factors. - Very high blood alcohol readings. - If there were kids in your vehicle. - If you were travelling at a high rate of speed. - If you were driving in an erratic manner such as swerving your vehicle in and out of traffic. - An accident causing property damag...
Post a Comment
Read more