Avoid Insurance Rate Increase, Avoid Demerit Points

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Do Not Allow your Insurance Rates to Increase:

Your Insurance Company will hold Convictions against you for 3 years and assess insurance risk points depending on the seriousness of the offence.

A total of 4 or more insurance risk points will force you into High Risk Insurance causing insurance premiums to increase.

Below you will find an Insurance Risk Point Example for drivers;
Description Risk Points
Minor traffic conviction (in the last 3 years) 1 point
Major traffic conviction (in the last 3 years) 2 points
High Risk conviction (in the last 3 years) 4 points
Presenting false documentation (in the last 3 years) 4 points
Auto insurance fraud (no time limit) 4 points
Policy cancellation for non-payment (in the last 3 years) 1 point
At fault accident (in the last 6 years) 2 points
Do Not Accumulate Demerit Points (MTO):

7 Point Offences:
Fail to remain at the scene of an accident,
Fail to stop when directed by Police;


6 Point Offences:
Careless Driving, Racing, Fail to stop for school bus,
Stunt driving, Speeding 50km/h -or- more;


4 Point Offences:
Speeding 30-49km/h, Following to closely;


3 Point Offences:
Speeding 16-29km/h, Improper use of high occupancy lane, Drive with speed measuring warning device, Improper passing, Crowding driver's seat, Driving wrong way on one-way street -or- highway, Fail to yield right of way, Fail to obey a stop sign, Fail to obey a signal light -or- railway crossing signal, Fail to obey directions of police officer, Fail to report an accident to police, Driving -or- operating a vehicle on a closed highway, Improper driving where highway divided into lanes.


2 Point Offences:
Fail to wear complete seat belt assembly - including passenger under 16 years old, Fail to share road, Fail to signal, Fail to lower headlamp beam, Improper -or- prohibited turns, Unnecessary slow driving, Improper opening of vehicle door, Starting from a stopped position-not in safety, Backing on highway, Towing persons on sleds-Bicycles-Skis.
THE DISCLAIMER
The information on this website is not, nor is it intended to be, legal advice.  You should seek legal advice on your individual situation.

THE PRACTICE
Hogan Paralegal Services operates through-out the Halton Region with home courts being Burlington, Milton, Hamilton, and Mississauga. Mr. Hogan also travels through-out the Province as needed.
Demerit Points and New Drivers
• As a Class G1, G2, M1 or M2 driver, if you get two or more
demerit points, you will be sent a warning letter.
• At six points, you may have to go to an interview to discuss
your record and give reasons why your licence should not be
suspended. If you don't attend, your licence may be
suspended.
• At nine points, your licence will be suspended for 60 days
from the date you surrender it to the Ministry of
Transportation. You can lose your licence for up to two
years if you fail to surrender your licence.
• After the suspension, the number of points on your record
will be reduced to four. Any additional points could again
bring you to the interview level. If you reach nine points
again, your licence can be suspended for six months from
the date you surrender it to the Ministry of Transportation.
• Note: If you are a novice driver and are convicted of violating
any novice condition or a Highway Traffic Act offence which
carries 4 or more demerit points or receive a court-ordered
suspension for an offence that would have resulted in 4 or
more demerit points, you will receive the appropriate penalty
under the Novice Driver Escalating Sanctions program.
However, no demerit points will be applied to your record or
be counted towards your demerit point total.
Demerit Points and Fully Licensed Drivers
• As a fully licensed driver, if you get six demerit points, you
will be sent a warning letter.
• At nine points, you may have to go to an interview to discuss
your record and give reasons why your licence should not be
suspended. If you don't attend, your licence may be
suspended.
• At 15 or more points, your licence will be suspended for 30
days from the date you surrender it to the Ministry of
Transportation for the first suspension. You can lose your
licence for up to two years if you fail to surrender your
licence.
• After the suspension, you may be required to complete a
driver re-examination (vision, knowledge and road tests). If
you successfully fulfill your requirements you will have your
drivers licence reinstated and the number of points on your
record will be reduced to seven. Any extra points could again
bring you to the interview level. If you reach 15 points again,
your licence will be suspended for six months.
THE CONTACT INFO
Hogan Paralegal Services
170 Rockhaven Lane
Suite 319
Waterdown, ON L0R 2H6
Call 905-634-2100
Fax 905-634-2199