+1(514) 937-9445 or Toll-free (Canada & US) +1 (888) 947-9445

Traffic Fines, Auto Insurance etc. >>>

qorax

VIP Member
Nov 21, 2009
9,523
3,002
Brampton, Canada
Category........
FSW
Visa Office......
London
LANDED..........
May-2010
The Most Common Traffic Tickets in Canada



Police in Canada give out a lot of traffic tkts every day, and among them the same violations appear frequently. These common traffic tkts r the reason for the majority of traffic stops and also a common reason why Canadians see increases on their auto insurance. Unfortunately, these driving habits that earn drivers a traffic tkt r the same habits that frequently cause car accidents; just another reason to be more careful and aware of our actions on the road.

1. Speeding

This is easily the most common traffic tkt in Canada, and in most cases it is considered a minor offence. Speeding is a bad habit many of us have due to our busy lives and rush to get from place A to B on time. Unfortunately, speed is often a factor in collisions, and the faster u r moving when u strike another vehicle - the more serious the collision & its outcome.

A speeding tkt will cost u a fine, which varies depending on the province and how far over-the-speed-limit u were going when u were caught. It may also cost u on your car insurance. Insurance companies can charge u for this all-too-common ticket for 3-yrs. from the date that u r convicted NOT the date that u recd. the tkt, and if u get another speeding tkt during that time, u may find that ur rates increase even more.

Going too fast on the road is one of the most common bad habits of Canadian drivers, and it is a costly habit.

2. Failure to Stop at a Stop Sign

Most drivers r guilty of "rolling-thru" a stop sign at some point in their driving career. It’s no wonder this violation is one of the most common tkts Canadian police give out. When there’s no one else at the intersection, it can be tempting to just roll-thru. Unfortunately, it could mean a tkt if a law enforcement officer is present. Worse, if you missed something/someone, such as a pedestrian crossing the street, this violation could then become a tragedy.

Like a speeding tkt, this one can affect ur insurance rates for 3-yrs.

3. Failure to Wear a Seatbelt

Across Canada, it is required by law that u wear your seatbelt whenever u r in ur veh. In fact, everyone in the vehicle must be wearing a seatbelt, and the driver can be held responsible for passengers under 16. Although seatbelt use has increased in Canada since the laws were put in place, it remains yet one of the most common traffic tkts.

Seatbelt use has been proven to save lives in crashes; choosing not to wear one puts u in danger. It can also put the others in the car in danger as well. Whether or not this tkt counts against ur insurance rates depends on ur province and the insurance company, but it is a large fine in every province.

4. Improper Turns

Another common traffic tkt given out to Canadian drivers is for a variety of possible improper turns. These can include turning when it is prohibited; and turning from the wrong lane. Because this type of behaviour makes it difficult for other drivers to anticipate ur next move, it can be a very dangerous habit.

In addition to a fine for making an improper turn, u may see an increase in ur insurance rates stemming from this tkt.

5. Running Red Lights

Drivers are always trying to beat the light and get to where they r going - faster. Unfortunately, running a red-light can cause an accident, and can also result in a traffic tkt that may be expensive both in fines and on ur insurance. The installation of red-light cams have made it more likely that drivers will be caught when they run red-lights, meaning this traffic tkt has also become among the most common in Canada.

Running a red-light is the cause of many accidents, as well as of pedestrians being struck by vehs. It can cost u for 3-yrs. on ur insurance if a tkt is the only result, but it’s a dangerous behaviour that is best stopped.

6. Careless Driving

While this has been mentioned by POINTTS - the traffic tkt specialists, as one of the most common traffic violation, careless driving is also one of the tkts most often successfully fought & removed from the driver’s record in court. This is likely because the definition of careless driving is less concrete and it relies on an officer’s judgment.

While it may be easier to fight this tkt & win, that doesn’t make it any less a dangerous driving habit, does it?

Conclusion

These common traffic violations r not very uncommon to us... most of us have indulged in them in our erstwhile locs. Bad habits u may say... while for few - some of these have become our 2nd nature while driving... and we albeit tend to have carried them over here too. Unfortunately these violations can cost us heavily on our auto insurance/s in Canada, which anyway costs a bomb here!

Depending on our insurance company’s rules, the penalties may vary - but they do exist. Besides these tkts carry a cost in fines, and remain in our system for 3-yrs.+, they sure have a potential for injuries & fatalities. Such tkts are all too common, but we better take extra efforts avoiding them here; B'coz avoiding them could save us on our heard earned $$$ - by keeping our insurance rates lower - but it can keep our roads way safer too, for pete's sake...

Qorax
 

jaggy999

Champion Member
Mar 6, 2012
2,337
165
Job Offer........
Pre-Assessed..
LANDED..........
Dec 2013
GR8 info sir........+1 as soon as my karma allows......u r a true rockstar :D
 

SandySurrey

Hero Member
Jan 5, 2011
667
14
Category........
Visa Office......
Delhi
NOC Code......
0631
Job Offer........
Pre-Assessed..
App. Filed.......
15-May-2010
AOR Received.
22 Nov 2010
File Transfer...
Inprocess from 14May 2012
Med's Request
13-june-2013,
Med's Done....
21-June-2013, e cas line added on 04 July 2013
Passport Req..
Documents deposited 15 July 2013
VISA ISSUED...
17/09/2013, DM on 15/09/2013
Thanks for the information!!

I have a question " Does the no claim bonus from UK can help in reducing the Insurance in Canada "??
 

qorax

VIP Member
Nov 21, 2009
9,523
3,002
Brampton, Canada
Category........
FSW
Visa Office......
London
LANDED..........
May-2010
SandySurrey said:
Thanks for the information!!

I have a question " Does the no claim bonus from UK can help in reducing the Insurance in Canada "??
We've heard that it does in BC, but in ON - no joy! ...no one cares two hoots about our overseas driving experiences here - except that from the North Americas.
 

qorax

VIP Member
Nov 21, 2009
9,523
3,002
Brampton, Canada
Category........
FSW
Visa Office......
London
LANDED..........
May-2010
Demerit Points on your Licence -
How they Work, What they Affect...



Demerit points r placed on our licence as the result of a conviction of a traffic offence. The no. of points we receive depends on the severity of the charge against us. Demerits can accumulate, so, adding points during the time (usually 2-yrs.) it takes for points to fall off our licence will mean they r added together. Demerit points thus, can have a very negative effect on our driving privileges, and they affect our car insurance - although not directly.

How Demerit Points Work?

Each traffic conviction is accompanied by a certain number of demerit points. Minor convictions, such as speeding under a certain limit or running a red-light, carry fewer demerit points. More serious offences such as failing to stop for a school bus and leaving the scene of an accident will carry a larger number of demerit points.

Demerit points r added to ur licence when u r convicted of any violation that carries points. Ur 1st demerit point/s will generally not affect ur licence much, but as they accumulate they can really start to cost u.

In Ontario, for e.g., after 9 demerits, u may be called in for an interview and asked to defend ur driving skills & present an argument for why u should be allowed to keep ur licence. At 15 demerit points u will find ur licence automatically suspended. Demerit points r also a factor in the cost to renew ur driver’s licence in many provinces.

Which Convictions Earn Demerit Points?

There is a long list of convictions that can earn u demerit points on ur licence. These are moving violations; in most cases parking violations do not result in demerit points. Among the common traffic violations for which drivers receive demerit points r:

-Speeding... no. of points depending on how fast u were going
-Failure to obey a stop sign or traffic signal
-Failing to wear a seatbelt
-Improper turns
-Following too closely
-Improper passing
-Going the wrong way on a divided road or one-way road
-Careless driving

Some of these convictions can be fought and removed from ur record if u can successfully prove u r not guilty. If u successfully fight a tkt, u won’t get demerit points added to ur licence. Remember that this is only a small list of the possible violations that can result in demerit points; it’s best to consult the laws in ur province to get a full list.

Do Insurance Companies Charge for Demerit Points?

The answer to this is a little more complex than 'yes' or 'no'. Ins. companies charge an increased rate to drivers who have convictions on their record. These r often the same convictions that result in demerit points on ur licence.

Each ins. company can determine which convictions they charge for and how much they charge. Two violations that carry the same number of demerit points may not be seen as the same by an ins. company. One may cost you more than another.

Ins. companies don’t charge u based on the number of demerit points u have on your licence, but based on the number of convictions and the type of conviction. Still, having demerit points is a pretty sure way to get an increase on ur insurance. While demerit points can fall off ur licence after 2-yrs., ins. companies will charge u for the conviction for 3-yrs. (rip-off!), whether or not the demerit points r still present.

Drivers with a large number of demerit points, and thus several convictions, may find themselves facing non-renewal by the ins. company. This means that the ins. company will inform u that when ur policy comes up for renewal, the ins. company will not offer u a new policy term. And note that even if u shop for other ins. companies - most won't insure u as well!

Conclusion

Demerit points can cost u in a number of ways. They r given for violations that often carry a fine, and u may pay more for ur licence on renewal if u carry demerits. They can also indirectly cost u on ur auto insurance, as they r most often given for the same convictions that ins. companies raise rates for. It’s simple to avoid getting them; stick to the rules of the road and drive carefully. While even good drivers can make a mistake [sometimes], it pays to avoid traffic tkts as best u can.

Qorax
 

naaz12

Hero Member
Mar 11, 2012
330
52
india
Doc's Request.
not yet..
AOR Received.
4 April 2018
LANDED..........
by gods grace will be there...
Dear Qorax..
I was living in Oz for 4 years...i was holding full oz licence..according to cic website if you live in victoria state of Oz you need to submit driving history detail...and.. i submited my drivers licence history details i was having 5-6 driving tickets for speeding and follow too closely etc and i got demerit points too for them..can that traffic offences effect my pr application?
Thanks in Advance
 

qorax

VIP Member
Nov 21, 2009
9,523
3,002
Brampton, Canada
Category........
FSW
Visa Office......
London
LANDED..........
May-2010
naaz12 said:
Dear Qorax..
I was living in Oz for 4 years...i was holding full oz licence..according to cic website if you live in victoria state of Oz you need to submit driving history detail...and.. i submited my drivers licence history details i was having 5-6 driving tickets for speeding and follow too closely etc and i got demerit points too for them..can that traffic offences effect my pr application?
Thanks in Advance
No, it won't.
BTW, r u sure u had to submit ur driving extract with ur PR application?
 

qorax

VIP Member
Nov 21, 2009
9,523
3,002
Brampton, Canada
Category........
FSW
Visa Office......
London
LANDED..........
May-2010
qorax said:
After an Accident - The Right Interaction/s with the 'Other Driver'...



After an accident, ur auto ins. company will become involved on ur behalf and step in to make certain that the right steps r taken. In some cases the other driver who is involved in the accident may wish to have communication with u for any number of reasons, but it is best to leave the negotiations to the experts – the insurance adjusters. From the moment an accident happens, it's important to handle ur interactions with the other driver in the right manner.

At the Scene of an Accident

When u step out of ur car, after an accident, u may feel shaken, frightened or even angry, but bear in mind that even if u feel sure u know who's at fault, it isn't up to u or the other driver to determine that. Don't take responsibility for the accident at the scene either to the other driver or to the police if they have been called. Police must be called if the damage appears to be more than $1000 for both cars, if anyone is injured, or if any property either public or pvt. has been damaged. When the police arrive, give ur statement based on the facts as u recall them, but do not make any statements in regards to fault. Do not discuss the accident with the other driver while u wait – instead take the time to make note of the conditions around the scene & take pictures if u can.

If police have not been called, u can make the basic arrangements with the other driver to move forward with the claim. Exchange names, phone nos. and insurance policy information. Ask to see the other driver's license and insurance information to ensure that u write down accurate information. Your next step will be to contact ur ins. company and pass on all of the information to them.

If the Other Driver Wants to Avoid Insurance

In some cases the other driver may ask u not to contact ur insurance company, and to make a deal to pay for the damages out-of-pocket. This is most commonly the case when the other driver suspects they will be found at fault and wants to avoid the potential insurance rate increases. Remember that failure to report an accident to your ins. company is rarely a good idea if the damage is expected to be beyond $300. That driver who seemed so anxious to negotiate with u off the record - may suddenly turn around and file a claim, suing u for damages. If a certain amount of time has passed (based on ur ins. company's rules), u may be denied coverage. However, for minor ones [against any ins. company's opinion] it is Ok to negotiate with the other driver.

Once the Claim is Filed

Once u have filed a claim with ur ins. company, there is no need for u to have further contact with the other party involved in the accident. If the other driver contacts u for any reason, u should refer them to the insurance adjuster. There is no need for u to provide the other driver with any details of the claim on ur end; they can contact either of the two ins. companies involved with their questions & seek clarifications.

Ur insurance adjuster will handle all claim activities on ur behalf & represent ur interests – that is why u pay for insurance in the first place. Insurance professionals understand all of the legal aspects of car accidents & claims, so let them put that knowledge to work for u.


How to look for the right insurance company?

A competent and trustworthy claims department is one of the things u should consider when u shop around for car insurance. As u compare rates it's a good idea to also look at the company's rating with their customers for claims service. When u feel confident in your insurance company, u won't be tempted to negotiate with another driver on ur own.

Remember, Auto Insurance in Canada is expensive. Especially for a newcomer things are pretty bad, moreso in Ontario. U need to shop around. The best search portal for this activity is "referrals". Forget all the search engines, tele-calling any no. of providers, fetching one from the dealer... but ask! Ask your friends, relatives, peers & colleagues... especially if someone is running a transport business or has friend/s in those activities. Let me tell you - there are few members in this very forum who are our best guides in this foray. I got mine thru one of them... and am very thankful to him!


Just thought of sharing...
Qorax
 

qorax

VIP Member
Nov 21, 2009
9,523
3,002
Brampton, Canada
Category........
FSW
Visa Office......
London
LANDED..........
May-2010
Buying your First Car in Toronto \/
---------------------------------------------------------------------------



One of the most exciting things in a young person's life (or pretty much anyone's life for that matter) is going out and buying that first car. Having that first veh. gives us a sense of freedom, but there r all kinds of responsibilities that go along with that freedom as well.

We also need to know how to protect ourselves from getting a real lemon. There r a few things that we really should know about buying our first car when we live in Toronto. Here r 10 tips to help u to get the car that is best for u:

1. Get a used car

Any veh. u get is going to depreciate, especially in the 1st-yr. If u want to sell it later on, u r not going to get nearly what u paid for it. U'll be saving a lot of money if u get a used car that works well, and it isn't going to cost nearly what a new car would. U can still get a really great car, but u typically don't need to have all the bells & whistles that go along with the more expensive models. (All those bells & whistles r more things that might run up some solid repair bills eventually).

Toronto is especially a great place to shop for nice used cars. Where else can u get a good, with low mileage, 2009 Honda-Accord for $13,000 today? Or a 2009 Merc-ML500 for $19,000? Notwithstanding a 2009 VW-Jetta for $10,000 or less! Pls check some of the links below...

2. Shop smart

Before u go out car shopping, whether in Toronto or anywhere else, do ur research first. Know exactly what u r looking for, and have a good idea of what similar vehicles cost. Often, especially with used cars, u r buying “as-is-where-is”, so u need to make sure that u know what u r onto - before u actually make the purchase. It's always a good idea to bring someone along who has more knowledge about cars than u may do... Even if u r savvy - a 2nd opinion matters, often. Before u make ur purchase, ask for the car's history record [CARFAX] - to make sure that it hasn't been fixed up to look pretty, but actually is a lemon. Note: In Toronto, all sellers could offer u that for Free.

3. Don't buy a car u need to work on

It doesn't really make any sense to buy a veh. that needs to have work done on it before u can even put it on the road. This could run u into a lot of $$$ u don't really have to spend, and u may not even be able to use ur car if u can't afford the work that needs to be done.

4. Paperwork

There r things u r going to have to sign before buying ur car, and u need to really look over all the paperwork before u sign anything. If u r buying a used car from a pvt. party, make sure that u r not going to get a vehicle with a lien that could be taken away from u because the previous owner failed to make their payments. This can, and does, happen all the time to people who have purchased cars without doing their proper paperwork first.

5. Get value for ur money

Just because a car is cheap doesn't mean that u should necessarily buy it right away. Take it to a mechanic first, and make sure that everything is in tip-top shape. Otherwise, u may just be buying someone else's problem. Once ur mechanic gives the car a clean-chit of health, then u can go about making the deal. Remember, if the price seems too good to be true, it probably is.

6. Don't spend more than u can afford

Financing can be a great thing, but it can also be the devil in disguise. Many ppl finance expensive cars, only to find that they cannot afford the payments later. Make sure that whatever car u buy, u can actually afford the payments, or better still, look for a car u can afford to buy w/out borrowing.

A safe bet for newcomers here, I'd advise, is to go for a car which is worth around $5,000-7,500 initially. And u do get good ones in that price range... many of our Friends-Circle did, most r members of this forum. They got pretty cool ones in that range - from Corollas to Matrix, Civics, Mazda-G/Caravans etc.

7. U need to have insurance

For one thing, it's mandatory that u have a/ny vehicle on the road insured. This is going to protect u in the event of an accident, and if the accident is ur fault, u will be able to cover any and all expenses without it coming out-of-ur-pocket. Before u buy ur car, find out exactly what the Toronto insurance requirements r. If u don't have insurance, u may face fines, and u can even lose ur vehicle. Note: It's also a prerequisite for registering ur veh. And w/out the license plates - u couldn't be on road. And for that u definitely need to have ur G-1 D/L [min] as well... Catch-22?

8. U need to register ur car in Toronto

As explained above, before u can put ur vehicle on the road, u'll need to go to ur nearest motor vehicle authority (an MTO office or the Service Ontario ones) and have it registered. If u don't have everything in order, just like insurance, u can be subjected to fines and even have ur car impounded until u get the proper documents in order. Registration costs will vary, depending on the type of vehicle u purchase... but it's pretty inexpensive here, cheaper than many other nations, including Dubai!

9. Get that extended warranty

If u do decide to get a new vehicle, it is wise to get the extended warranty that is usually offered with it. Generally, a warranty is for around 3-yrs., and then u r on your own. With the extended warranty, u'll be saving a lot of $$$ on future car repairs. Incidentally, used car dealers here offer those extended warranties for their stocks as well... many other nations don't. Note: We all took that.

10. Learn the Toronto streets

This may seem like a strange piece of advice for buying a car, but it is useful. For e.g., if u decide that u want a great big truck, then u may find that u cannot take it into some parking garages, and some streets may be too narrow. U also need to look at street parking possibilities, and decide what type of vehicle is going to be easiest to get into some of the tight Toronto parking spots. Figure out where u'll be taking ur car, and then decide on which type would be best for city-driving, I guess that's what most of us would be looking for, unless we love X-countrying!

Conclusion

Once u've done all ur research, it is time to get out there and get ur 1st-car. But remember, don't take the 1st-one u look at, and don't let any seller talk u into anything u don't want, or need. Ur 1st-car should be something that gives u many happy memories for yrs. to come... give u "peace" - not break into "pieces"!

On an end-note, may I mention Networking? Yes, catch-up, before u buy, with all ppl u possibly can... ur friends/peers/colleagues/associates/relatives and far-flung peeps with whom u never [bothered to] contacted a while... these r the resources to maintain - to fall back on - they'd know something about it too - might have one to offer or know someone who does... and u could get the best deal in town! Networking pays, always.

Qorax
_________________________________________________________________________________
Reference:
1. http://www.mto.gov.on.ca/english/dandv/vehicle/used.shtml
2. http://www.ontario.ca/en/services_for_residents/STEL02_155833
3. http://www.carfax.com/cfm/general_check.cfm?partner=GHI_C&CMP=KNC-Google
4. http://www.samarins.com/toronto/
5. http://www.canadamotorcar.ca/3_things_to_do_before_buying_a_used_car_in_toronto.html
6. http://www.autotrader.ca/
7. http://www.monsterauto.ca/
8. http://toronto.kijiji.ca/f-cars-vehicles-cars-trucks-W0QQAQ5fCarBodyTypeZhtchbckQ2cconvQ2cwagonQ2csedanQ2ccoupQ2cothrbdytypQQCatIdZ174