Pavan Bassi Legal Can Save You From Obtaining Demerit Points in Ontario
Being careless while driving comes with a lot of uninvited troubles and one of those troubles is Demerit Points. These are blots on an otherwise clean driving record that one gets if he/she violates traffic rules. Getting these points may lead to serious repercussions like licence suspension or may even cost you your hard-earned money by increasing the insurance rate. If you want to save yourself from such troubles, you can reach out to us and we will provide you with just the right legal assistance in the matter. With us by your side, you won’t even have to show up for court appearances.
Effects of Demerit Points on Your License
This is how Demerit Points affect your Ontario licence:
Class: G1 and G2
| 2 Points | Ministry of Transportation (MTO) sends a warning letter. |
| 4 Points | Novice driver's licence is suspended without warning. |
| 6 Points | An interview with the MTO is scheduled to determine why your licence should not be suspended. |
| 9 Points | Your licence can be suspended for 90 days. |
Class: G
| 6 Points | Warning letter from the Ministry of Transportation. |
| 9 Points | Interview with the MTO is scheduled to determine why your licence should not be suspended. |
| 15 Points | Licence suspension for 30 days. Failure to surrender a license can lead to an additional 2-year suspension. |
Insurance Rate Increase
Most Ontario insurance companies look at the number of convictions you have and the severity of the offence. Insurance companies also look at the number of Demerit Points you have. Others use a combination of number of convictions, the severity of offences, and the number of Demerit Points. For an Ontario driver, even a minor $65 traffic ticket can produce an annual increase of $300 or more that will last at least five years. In other words, your minor $65 traffic ticket will end up costing you $1,500.
The following charts show what the likely insurance impact will be based on the number and type of convictions.
Insurance Increase by Conviction
| # of Convictions | Minor | Major | Serious |
| 1 | 0 | 15% | 100% |
| 2 | 15% | ||
| 3 | 25% | ||
| 4 | 15% | ||
| Each additional conviction | 15% | 25% | 100% |
Conviction Classifications
| Minor | Major | Serious |
| Any traffic convictions related to the operation of a vehicle, other than those listed as Major or Serious. It can be under an act governing highway traffic, the Compulsory Automobile Insurance Act or a similar offence committed within or outside Canada. See below. | Any of the following traffic convictions under an act governing highway traffic, the Compulsory Automobile Insurance Act or a similar offence committed within or outside Canada. | Any of the following traffic convictions under an act governing highway traffic, the Compulsory Automobile Insurance Act, a similar offence committed within or outside Canada or any convictions which appear on a Driver Record Abstract identified as criminal code convictions. |
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How Long Will This Last?
Motor vehicle convictions stay on your Ministry of Transportation driving record for three years and Demerit Points for two years. Insurance companies keep this information usually for five years. Law enforcement can see your complete driving record and criminal history including every conviction going back to the day you were born. So expect to pay higher insurance for at least five years. The clock starts ticking from the day you are convicted, not the day you were charged. Your insurance will increase when you renew your policy. Paying a traffic ticket is the same as pleading guilty.
Do not pay those traffic ticket fines without contacting Pavan Bassi Legal to get the information you need on how to fight a traffic ticket. Pavan Bassi Legal will save you from obtaining Demerit Points, insurance premiums and missed non-paid days from work or school. We will file your request for trial in Ontario Provincial Offences Court. No court appearance is required by you if you are represented by Pavan Bassi Legal.
