List Of Ontario HTA Convictions

You’re driving along in your car, come to a stop sign, make a rolling stop, and then speed off, driving slightly over the speed limit…

Then you look at your rearview mirror and see the flashing blue and red lights of a police cruiser. It’s time to pull over for the nice officer.

You know you messed up. You know you might get a ticket for failing to stop, or a ticket for speeding, or BOTH!!!

The officer has discretion. He can charge you with one or both of the offenses. Or he doesn’t even have to charge you with any of the two. Hopefully, he lets you off with a warning.

Well, in this case, the officer just gives you ticket for speeding. He also tells you that he reduced the charge. There will be no demerit points and, so, he tells you that it won’t affect your insurance…

If that’s what the officer tells you, he’s WRONG… Every Highway Traffic Act (HTA) ticket affects your insurance.

You see, cops aren’t insurance experts. They’re trained in the Highway Traffic Act, among other things, but are not trained insurance professionals. They may think that tickets with no demerit points won’t affect your insurance rates, but that’s not the case.

Now that you know that every ticket affects your insurance rate, you should know that not every ticket is created equal. Insurance companies classify tickets according to severity – From minor, to major, to serious. And, the more tickets you have on your record, the more you’ll pay to be insured.

With that said, here’s a list of HTA tickets (Actually, a few are actually criminal code convictions) and how the insurance company classifies each one (This is not an exhaustive list – There are more tickets than this. Also note that all insurance companies are different and what may be a minor ticket with one insurance company may be a serious ticket with another. But, for the most part, this is how the tickets are classified):

Minor Convictions:

Speeding – 49 km/h over the limit or less

Backing up – Unsafe/illegal/improper

Brakes – None/inadequate/improper

Crowding driver’s seat

Disobeying flagman

Door opening – Illegal/obstructing traffic

Driving off roadway (including shoulder/sidewalk/median)

Headlights/parking lights – Improper/lack of use

Having open alcohol in the car

Fail or refuse to surrender license

Fail to produce evidence of insurance

Fail to carry insurance card

Fail to have insurance card

Fail to disclose particulars

Fail to notify police

Gail to make written report

Emergency vehicle – Operating with no regard for safety

Driving imprudently

Driving off roadway

Flagman – Disobeying

Following too closely

Headlights/Parking light – Improper/Lack of use

Lack of control of vehicle

Motor-assisted bicycle – Carrying passengers

Motorcycle – Operating with only an instruction permit

Motorcycle – Failure to wear helmet

Passing infraction (Except school bus/school zone)

Pedestrian crossing violation

Radar warning device in motor vehicle

Railway crossing

Safety zone violation


Fail to signal

Slow driving

Smokescreen device on vehicle

Squealing tires

Stopping – Illegal/improper

Defective/Worn tires

Prohibited/unsafe towing

Disobey traffic sign

Tires – Defectiveéworn

Trailer – Improper attachments/Improper towing

Prohibited turn

Drive with improper license class

Unsafe move

Unsafe towing

Unsafe vehicle

Using a hand-held wireless communication device (Update: some insurance companies consider this to be major ticket now).

Drive on wrong side of road

Fail to yield

Major Convictions:

Failing to report an accident

Failing to give name and license number after an accident

Improper passing of a school bus

Speeding in a school zone

Produce false evidence

False Statement regarding insurance

Produce false insurance

Make false statement

Permit unlicensed driver in contravention of conditions

Violation of any class G1, G2, M1, or M2 conditions (Other than alcohol-related)

Failure to stop for police officer

Failure to stop for emergency vehicles

Fail to report damage to highway property

Serious Convictions:

Criminal negligence with a motor vehicle

Vehicular manslaughter

Driving while license is suspended



Careless driving

Driving without due care and attention

Driving without insurance

Operate motor vehicle – No insurance

Vehicle owner without insurance

No insurance

Dangerous driving

Impaired driving

Failure to submit to a breath or blood test

Over .08 blood-alcohol level

Driving without an interlock device where it is required

Speeding – 50 km/h or more over the limit

Failure to remain at the scene of an accident

Class G1, G2, M1, M2 – Fail to provide breath sample

Class G1, G2, M1, M2 – Drive with alcohol in blood

*** On a side note, cops cannot give you HTA tickets in a parking lot, as the HTA only covers roadways. They can, however, charge you with a criminal code conviction in a parking lot, as the Criminal Code covers all of Canada. Notwithstanding, just drive safely, no matter where you are.

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