Traffic Tickets & Car Insurance Discussion got a speeding ticket? need to fight the ticket in court, affecting your car insurance?.

Question about points and notifying insurance

Old 09-04-2007, 11:39 PM
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Question about points and notifying insurance

ok

so i went to court today, the cop showed up and I pleaded guilty. The judge only told me to pay a $48 fine and there was NO MENTIONING of any point deductions. for point deductions, are judges suppose to say anything about that in the verdict? or does the MTO take care of the points thing without notifying me in court?

As for insurance, I know that what only matters is whether you have a minor or major infraction and points don't affect it anymore but i heard that if you don't have any points deducted, the MTO won't contact the insurance company. is that true?

And now, do I have to tell my insurance company about my ticket prior to renewal? or would the MTO update them with my info?

thanks
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Old 09-08-2007, 10:03 PM
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Don't tell your insurance company you have a ticket...you don't have to be that honest! lol The MTO will not advise the company either. Depending on what company you're with they will usually order your MVR (Motor Vehicle Report) once every year or maybe every two years or some companies also just pull the reports randomly. Ordering these reporst costs the companies money so they don't pull them all the time. But that's how they will find out about your ticket you don't have to notify them.
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Old 09-09-2007, 02:15 AM
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If the actual charge was not reduced, just the set fine then you are getting the same amount of points. If however he decided to lower your ticket with the fine then you will get less points. Points generally correlatge to the actual offence.
And don't tell your insurance , they'll find out on your next renewel though.
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Old 09-09-2007, 11:17 AM
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some people get lucky and insurance never finds out, some aren't so lucky, and insurance picks up on it. Let them find out on there own
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Old 09-09-2007, 05:26 PM
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Don't notify your insurance company. Voltar's right, they'll pull your abstract at their discretion. No sense in them finding out before then - you won't get any special consideration for being honest, just a bigger bill.

There's already a thread stickied in the forum here that outlines the demerit point system. Have a look:

http://www.gtcars.ca/online/traffic-...nt-system.html
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