Driving with no insurance

by Henry
(Caledon East)

I was recently stopped with no insurance for my personnel car. I went to court and got 2500 dollar fine.

I drive a truck for a living both full-time with a company and part-time with two other companies I have since been released by all 3 companies as they say the rates have gone up $10,000 to insure me.

All this and six hundred per cent increase in my own personnel insurance.

Can the insurance company take multiple increases like this and end my driving career? At age 47 this will cause undo hardship as this is the only profession I know???

Answer

Hi Henry,

I assume that you mean that you were driving a car and there was no insurance on it. (Not that you did not have the slip, but had insurance ... which would be a much lower penalty.)

This incident has affected you quite severely. So the last thing you want or need is a lecture, but the news is not good.

Driving a vehicle that is uninsured is treated as a very serious offense, as you have learned first hand.

Every insurance policy that you are listed on will reflect your driving record and insurance history. So your rates will be affected for the next three years. And the rates of any company that lists you on their policy will be affected as well.

Have you contacted an insurance broker? I suggest this because a broker should be able to help you get the best rate possible. But the best rate possible in your situation will be much higher than you used to pay if you had a clean driving record.

I do you wish you all the best and hope that you find employment.