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Thread: Applicable charges that effect insurance

  1. #1
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    Applicable charges that effect insurance

    Does any charge under the traffic act effect my insurance record? I know things like seat belt, speeding, stoplight type infractions are counted.

    But will some types of charges under the act not effect my rate?
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    If it shows up on a MVR report, it effects your insurance.

    Is there a certian scenario your thinking of? I dont know all the HTA charges that will apear on a MVR report.

    Sorry.
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    Plate wrong vehicle. 12(1)(d). Thanks for your help.

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    Quote Originally Posted by stickyken View Post
    Plate wrong vehicle. 12(1)(d). Thanks for your help.
    Sorry for the delay,

    I just checked through our list of convictions and do not see that one listed, however, that doesnt mean it wont show up on your MVR.

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    it is under $10 to get a current MVR from the MTO. if anything shows up it affects your insurance rating.

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    Quote Originally Posted by D.T.Starr View Post
    it is under $10 to get a current MVR from the MTO. if anything shows up it affects your insurance rating.
    Good advice!

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    I'm sure it will show up, I'm screwed. I can say that it seems highly un-fair to be thrown into the same bracket as drunk drivers, and speeding addicts when you get dinged with stuff like no insurance slip in someone else's ride because it was in there wallet, a plate issue that should never have been an issue, and rolling a stop sign in one year.
    I now will be paying the same rates as a convicted drunk driver, or something of the same degree of serious. Rant off. I know it's my luck/life.

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    I'll look into the MVR, thx. Do I just walk into to ministry licence office and request this?

  9. #9
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    you can do it on line with a credit card on the mto site

  10. #10
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    Quote Originally Posted by stickyken View Post
    I'm sure it will show up, I'm screwed. I can say that it seems highly un-fair to be thrown into the same bracket as drunk drivers, and speeding addicts when you get dinged with stuff like no insurance slip in someone else's ride because it was in there wallet, a plate issue that should never have been an issue, and rolling a stop sign in one year.
    I now will be paying the same rates as a convicted drunk driver, or something of the same degree of serious. Rant off. I know it's my luck/life.
    Some minor tickets dont equal what a drunk driver pays.
    Rolling a stop sign is a HTA conviction.
    Driving wihtout a insurance slip is a HTA conviction - and its your responsibility to ask and make sure the car has insurance. What happens if you killed someone while driving it? Or you got into an accident. ( You may know the answer to the first part - as there is an answer ) but do you want to be put on the hook for your buddies car?
    Plate issues I spoke to above.

    If you were convicted of drunk driving thats a criminal code conviction, and moves you to a higher risk company and enormous surcharges. 200% is not uncommon on top of thier already high rates with the higher risk companies like echelon, and facility assoc.

    I think your over reacting to a couple minor convictions, heck I work in insurance, I have a speeding ticket, and a ticket for an expired insurance card. Shit happens. I pay my extra 15% and live with it.

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    you aren't close to a drunk rate, my bud just did a quote for 5g a yr in a rural low risk area on a screaming piece o crap taurus.
    OF4WD Member #5196

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