Pulled over by cop

What is the penalty for driving without insurance in Ontario?

Driving without insurance is taken seriously in Ontario, and is something you should never do. Surprisingly, though, it happens more than you might imagine. It is estimated that around 2,000 uninsured vehicles are involved in collisions every year across the province, and about 2% of all road users are driving without insurance.

Is driving without auto insurance a criminal offence in Ontario?

Although driving without insurance isn’t a criminal offence in Ontario, it is still taken very seriously by authorities and could land you in hot water if caught. It is classed as an offence under the Compulsory Automobile Insurance Act of Ontario, and so despite the fact it won’t end up on your criminal record, you will end up with a hefty fine. You may even end up with a driving penalty if you are caught.

How much would a fine cost me?

A fine for driving uninsured in Ontario could set you back anywhere between $5,000 and $25,000, depending on the intricacies of your case. You could even end up losing your car, facing a license suspension for up to a year, or having an additional 25% surcharge on top of your initial fine thanks to the Provincial Offence Act. So, even if you don’t end up handcuffed in the back of a police car, it still isn’t worth the risk.

Why are there penalties for driving uninsured?

In basic terms, the reason the government insists that every single vehicle on the road is insured is simply for safety. There are a lot of risks when it comes to driving, whether it is from a vehicle malfunction, human error, weather or traffic flow, and the last thing anyone wants is to end up in an accident and not be able to fix any issues that may arise.

An accident can result in anything from minor damage to fatality, and it is vital that there is financial support to try and help the situation as much as possible. Insurance usually ends up paying for everything in an accident, and this amount tends to be more than the average person can pull out on a whim. Usually the only thing the responsible party has to pay is their excess.

What happens if you are involved in an accident without auto insurance?

If you find yourself in a fender bender without car insurance you basically ended up in the worst possible position. If you end up being the party liable for the damage, well you’re going to find yourself seriously out of pocket and potentially in a legal battle. Not only will you be responsible for all of the repairs to both your car and the other driver’s car, you will also have to foot any medical bills incurred as a result of the crash. Depending on the level of damage and the injuries, this could be a severely high amount. On top of this, you will still have to deal with fines and penalties for driving without insurance!

If you are a driver who is hit by someone driving without insurance, don’t worry, your insurance will cover you against any uninsured drivers you unfortunately may cross paths with.

Investing in a good car insurance policy will definitely save you a lot of money and a lot of trouble in the long run. Even if you think you can’t afford to take out a policy, chances are there will be one for you out there. Insurers will look at things such as your driving history, the type of car you drive and personal factors such as your age and length of time holding a license, to determine how much you pay. Alternatively, some insurers are now offering discounts for drivers who invest in safety features for their car. With so many different kinds of insurance packages and coverage options available on the market, you’re bound to find one to fit your needs.