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Driving without insurrance.

posted Dec 20, 2012, 12:01 PM by Almohajer Aljadeed   [ updated Dec 20, 2012, 12:10 PM ]
By: Svetlana Sevillano
The Compulsory Automobile Insurance Act (CAIA) mandates that all owners or lessees ofcars who either operate the vehicle themselves or allow others to operate the vehicle must have car insurance. The driver must carry while driving some kind of valid insurance card or other documents showing proof of insurance. Driving without insurance is one of the most costly mistakes drivers could make. A driver, who refuses to provide proof of insurance, or who tells a police officer that he/she has the insurance in case he/she does not have the insurance, may be facing a fine between $5,000 and $25,000 upon their first offence. If this person is convicted again, then the subsequent fine will be between $10,000 and $50,000, and the driver’s license may be  suspended for up to a year. There is also the possibility that the car be impounded for up to three months. This kind of tickets carries one of the highest minimum fines under the Compulsory Automobile Insurance Act of Ontario. Left undefended, a conviction for an offence of driving with no insurance (leading to a ticket) will result in a $5,000.00 fine plus a 25% Victim Fine Surcharge (totaling $6,250.00). Driving without insurance is an absolute liability offence. It means that it is up to the defendant (driver/ticket holder) to prove that the vehicle was insured at the time the offence resulting in a ticket occurred. There are different tickets related to Driving without insurance, i.e. operate motor vehicle without insurance; permit operation of motor vehicle without insurance; produce false insurance card; fail to surrender insurance card. A conviction for any of these offences can cause your insurance rates to skyrocket or even cancel your insurance premiums. A ticket for failure to show insurance card causes a minimal fine and it does not carry any demerit points. However, it will show up as a conviction on your driving record what can affect your insurance premiums. Out of province insurance companies must make sure that people travelling in Ontario are covered by that company and have the minimum amount of insurance required in that province. Otherwise, policyholders traveling in Ontario will be treated as if they have no insurance at all, which may also result in prosecution. If you received ticket for driving with no insurance in Ontario, Licensed Paralegals can assist you with this charge (i.e. have your fines reduced substantially what can save you thousands ofdollars). You can contact Law Society Referral Service at 1-877-947-3924 or send an e-mail to You also may contact “Your Choice Paralegals LLP” located at the Downtown Windsor Business Accelerator at 720 Ouellette Avenue. We offer 20 minutes free consultations and have free parking for our clients. Call and book appointment at 519-997-2846 or send us an e-mail to and we would be glad to assist you.