Do Expired Sticker (Val Tag) Tickets Affect Your Insurance?
If you get a ticket for an expired sticker, or val tag, does that affect your car insurance? NO!!! I mean, let me back up a little… Any ticket or conviction that shows up on your driver’s abstract will affect your insurance. So the real question is, do expired sticker tickets show up on your […]
What Is Substandard Car Insurance?
You probably found this page because your broker mentioned that you now need to be insured in the substandard market. But what the heck is that? What is substandard car insurance? Substandard means high risk Well, it’s just a term. Some people refer to it as high risk. Either way, it just means that you […]
High Risk Driver Definition – Ontario
So you want to know the definition of a high risk driver, eh? Well, giving an answer is not that simple. Why? Because there is no set definition of a high risk driver in Ontario. Definitions vary You see, every insurance company defines a high risk driver differently. Basically, for any individual insurance company, you’re […]
What Impact Do Demerit Points Have On Car Insurance?
I remember a long, long time ago, soon after I got my license… I rolled through a stop sign. There was a cop there. He stopped me. He gave me a ticket. D’oh!!! I was 16 years old and nervous. I was more concerned about my parents getting mad than anything else. I mean, I […]
A Second At-Fault Accident Is Bad For Car Insurance
You get car insurance to cover you for accidents, right? Yes, of course! But what happens when you have an at-fault accident? Well, at fault accidents affect your driving record and, so, affect your rates. Accident forgiveness With that said, most people qualify for accident forgiveness or partial forgiveness. You normally qualify for forgiveness if […]