No Insurance

by George
(Niagara Falls, Ontario)

My Car was hit by someone backing out of a driveway, my neighbour witnessed it and the person drove away. They said they would pay me without going through insurance but now he has changed his mind and I am suing him as I paid to get the car fixed. His insurnace agent said I was out of luck as I didnt have insurance and he told me under the highway traffic act it was illegal for my car to be on the road without insurance. I have some friends that are police officers and they said you dont have to have insurance to be parked on the road as long as your plate is valid, this is in Ontario, Canada. Does anyone know if this is true??? thanks


Parked Car Without Insurance


Hi George,
Without opening and double checking the Highway Traffic Act or related laws, it would seem that your police officer friends would have the right answer. Hope that helps?

Good luck with your legal proceedings. Without insurance this is a tough one.


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Note: Always speak with a licensed insurance professional about your specific situation. This insurance information is general in nature and the policy wordings always take precedence. It is possible that there are errors and omissions in this website and www.canada-insurance-source.com, or its authors, take no responsibility.

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

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