Skip to main content


What is the fine for a No Insurance ticket in Ontario?



- Fine of $5,000 to $25,000 for first No Insurance offence

- Fine of $10,000 to $50,000 for a subsequent offence

- Add a 25% court-imposed victim surcharge fee on top of any of the above fines

- Your drivers license could be suspended for as long as one year

- Your car could be impounded for up to three months, and you would be responsible for the storage fees

- Possible damage to your future ability to get a valid insurance policy in Ontario



This charge falls under the Compulsory Automobile Insurance Act, or CAIA(2)(1).  This act governs drivers in Ontario to have a valid insurance policy on their vehicles.

Why is the fine so high?

The fine talks to the legal notion of "general" and "specific" deterrence.  The law written to punish offenders with a high enough fine that the "general" public will understand that if they don't get insured, they will pay a financial price in Provincial Offences court.  Also, the law is designed to make sure the individual (specific deterrence) understands that they are being punished for not having a policy while driving a car that can have potential liabilities on the road, and therefore, must be insured.

I had no idea I wasn't insured...

Unfortunately, the law does not take into account this excuse.  The law was written in a very precise manor - either you had insurance when you were pulled over, or you did not.  This means you are either guilty or not guilty.  The issues between you and your insurance company do not have a lot of pull in the court room.

I don't have $6,250...

The law does not take into account your financial circumstances when you are charged with No Insurance.  The law blankets every driver in Ontario with the same $5,000 fine.  If you have exceptional financial circumstances, you can try to explain this upon sentencing.  This may allow for a reduction in the fine.  But keep in mind, the $5,000 is the MINIMUM fine prescribed in the CAIA.  You would have to submit why you should pay less than the provincial minimum fine.

So what can I do?

Speak to a legal representative and perhaps they have a strategy that can help in court.  Consultations are free, so the cost of speaking to a licensed legal representative could save you $1,000s of dollars.

https://youtu.be/aDV5sX63hVs https://www.nextlaw.ca/2020/09/24/what-are-the-fines-for-driving-without-insurance/

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