Driving Illegally in Ontario

[DavidC]

Hey there, I'm about to ask a retarded question, so please be gentle.

Does anyone know what the penalty is for driving with a G1 by yourself, or for driving without insurance?

If you have a link to the info, I'll take it, but I don't want to wade through the MTO site to find it, so if someone's already done that, that would be sweet!

--Dave.

[Patrick del Poker Grande]

MTO... is that some crazy canuck talk for DMV?

[HopeydaFish]

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MTO... is that some crazy canuck talk for DMV?

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Only for us Ontario Canucks...it stands for "Ministry of Transportation of Ontario"

However, lots of people use the term American term "DMV" instead of "MTO".

[DavidC]

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MTO... is that some crazy canuck talk for DMV?

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Ministry of Transportation of Ontario...

so probably, yes.

However, each province has their own licencing / regulatory body, I believe.

--Dave.

[HopeydaFish]

It's not a slap on the wrist. Believe me, you don't want to do it.

The fine for driving without insurance is either $5000 or $10000, I can't remember which one. Plus you are barred from driving for a certain number of years afterwards. Plus when you finally are alowed to drive again, the insurance companies treat you like they treat former DUI's, and you end up paying the maximum rate.

I was in traffic court a few months ago and watched a kid get the book thrown at him for driving without insurance.

I'm not sure what the penalty for driving with just your G1 is. It's probably not as severe as it is for driving without insurance, but it still might be fairly severe.

[DavidC]

[ QUOTE ]
It's not a slap on the wrist. Believe me, you don't want to do it.

The fine for driving without insurance is either $5000 or $10000, I can't remember which one. Plus you are barred from driving for a certain number of years afterwards. Plus when you finally are alowed to drive again, the insurance companies treat you like they treat former DUI's, and you end up paying the maximum rate.

I was in traffic court a few months ago and watched a kid get the book thrown at him for driving without insurance.

I'm not sure what the penalty for driving with just your G1 is. It's probably not as severe as it is for driving without insurance, but it still might be fairly severe.

[/ QUOTE ]

I think some guy said it was a $5700 fine, but I was pretty shocked at that number.

One trick that you can use, if you're a moran, is signing up for insurance for a year, making sure that the cancellation charges aren't huge, then cancelling after a month. You get your doco that states taht you have insurance for a year, and there's no way a patrolman can determine that you haven't paid in the last 6 months, AFAIK anyways.

--Dave.

[adamstewart]

[ QUOTE ]
One trick that you can use, if you're a moran, is signing up for insurance for a year, making sure that the cancellation charges aren't huge, then cancelling after a month. You get your doco that states taht you have insurance for a year, and there's no way a patrolman can determine that you haven't paid in the last 6 months, AFAIK anyways.

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I beg to differ.


(I should mention that I've worked as an insurance broker for 3 years, and in fact, am still licenced).



Adam

[DavidC]

[ QUOTE ]
[ QUOTE ]
One trick that you can use, if you're a moran, is signing up for insurance for a year, making sure that the cancellation charges aren't huge, then cancelling after a month. You get your doco that states taht you have insurance for a year, and there's no way a patrolman can determine that you haven't paid in the last 6 months, AFAIK anyways.

[/ QUOTE ]



I beg to differ.


(I should mention that I've worked as an insurance broker for 3 years, and in fact, am still licenced).

Adam

[/ QUOTE ]

Neat. How do they find out?

[Zurvan]

[ QUOTE ]
[ QUOTE ]
[ QUOTE ]
One trick that you can use, if you're a moran, is signing up for insurance for a year, making sure that the cancellation charges aren't huge, then cancelling after a month. You get your doco that states taht you have insurance for a year, and there's no way a patrolman can determine that you haven't paid in the last 6 months, AFAIK anyways.

[/ QUOTE ]



I beg to differ.


(I should mention that I've worked as an insurance broker for 3 years, and in fact, am still licenced).

Adam

[/ QUOTE ]

Neat. How do they find out?

[/ QUOTE ]

Police cars have computers. They look it up. If you don't have active insurance, you are SOL. I got stopped for speeding a few months ago. We did not have the current insurance card in the car. My fiance had it in her purse at home. We got a $75 ticket for "failing to produce insurance", but they knew we were covered. Otherwise - the $5000, and a big problem.

[stinkypete]

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I'm not sure what the penalty for driving with just your G1 is. It's probably not as severe as it is for driving without insurance, but it still might be fairly severe.

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i'm pretty sure driving with just your G1 is driving without insurance