How will I be fined for driving without insurance?

by Travis
(Ontario, Canada)

I got in an accident earlier this week, I hit a car from behind but the accident itself was put under weather conditions so not my fault in the end. I was however driving without insurance, I did not know this because I never got anything in mail... and I went to do my G test without any problems. I was wondering besides the initial $500 fine, how much am I looking at paying in court? How soon can I drive again after my suspension?


Accident While Driving Without Insurance


Hi Travis
According to the Financial Services Commission of Ontario:
"Ontario law requires that all motorists have auto insurance.

Fines for vehicle owners, lessees and drivers who do not carry valid auto insurance can range from $5,000 to $50,000.

If you are found driving without valid auto insurance, you can have your driver's licence suspended and your vehicle impounded.

If you are convicted of driving without valid auto insurance, your insurance company may consider you a "high-risk" driver and charge you higher premiums or refuse to sell you insurance altogether. If you are injured in an accident while driving or occupying an uninsured vehicle:

* you may not be entitled to receive income replacement and/or non-earner benefits; and
* you may not be allowed to sue the at-fault driver for compensation as a result of injuries received in the accident."

Even the best case looks pretty bad for you.

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Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind.  Make sure you review the "please read" page. Always speak with a licensed insurance professional about your specific situation.

Always speak with a licensed insurance representative about your specific situation.

This site is general in nature and there may be errors or ommissions

Please Read

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