Having to drive without insurance is something nobody should ever do. Despite the repercussions and many consequences, most people choose to still drive without any insurance protection coverage.
This is one out of the so many factors that have led to higher costs of insurance. There is no doubt at all that if you have to drive without insurance, you must face serious consequences that follow it.
It is a very big offense which is under the Compulsory Automobile Insurance Act of Ontario, which means that if you are ever caught, you could possibly face a known fine, but it will not be recorded on your criminal history.
Does Driving Without Insurance Conviction Affect Insurance
1. The fines and the penalties which will be incurred for driving without any insurance protection coverage in Ontario are really difficult, and they tend to stay on your driving history for almost three years.
The effect such convictions will likely have on your insurance history may prove to be more costly. Many of the insurance firms might even refuse to insure you in the long run.
2. You might be grouped and known as a high-risk driver, which will make it very difficult to get even get insured.
3. If you eventually find any insurer that will even agree to offer you a policy, the cost will be very expensive.
What are The Consequences of Driving Without Insurance
Adding to the many fines, there are so many other penalties there are for driving without insurance. Which include :
A Suspension: You would face a suspension on your driver’s license for close to one year.
Impoundment: Your vehicle could be impounded for almost three months.
Other Additional fees: The Provincial Offense Act keeps the fees on an extra twenty-five percent surcharge added to your fine.
What Happens When Involved in Accident Without Insurance
1. If you happen to get into a collision with another car and you do not have any insurance protection coverage, you have gotten into much trouble. For anyone starting, you will be on the made to be on the financial hook to pay for all the damages it has on your vehicle and also as well as any other vehicle or vehicles that are involved in the accident.
2. In the very best-case scenario, car accidents will really tend to injure people, most times it may be severe or even lead to death. The cost that comes with medical rehabilitation for someone who has been injured in the accident may not really be cheap, and in most cases, the injuries the person will suffer may likely be life-altering.
3. As a driver who drives without insurance, you could be facing a very expensive lawsuit as the case may be. Both the injured people and as well as their insurers may likely come after you through the court case just to recoup and recover their financial losses and other legal fees.
4. Also, if you are not insured and you are injured in a car accident though you are might not be at fault, you will not be able to sue the other driver for the at-fault damages. This will leave you having to foot the medical costs for your own rehabilitation.
What to Do When Caught Driving Without Insurance
1. The very first thing you should endeavour to do is to actually stop driving and then try to get your vehicles insured as quickly as possible.
2. If you must drive around without insurance, you are actually taking a serious risk that in the case an accident occurs you must be sued on a personal basis for any physical or any material damages that are done.
Having insurance on your motor vehicle in Ontario is essential. Before ever going to court, you will be advised to prepare proof that your own vehicle insurance has already been restored. This will likely help for the case to be resolved and the fine also reduced.
Conclusion
Driving without insurance protection in Ontario is a very risky attempt. The consequences and fines that are attached to it are overwhelmingly high. Getting it is very easy the best is to get it and save yourself the stress of the many fines and penalties that are involved.
