Can I register a car without insurance in Ontario?

Can I register a car without insurance in Ontario?

• This article is based on a very important topic, “can i register a car without insurance in Ontario”
• This article focuses on some key suggestions that may help you avoid the hefty $5,000 fine you will be facing in Ontario Provincial court if you do not have insurance
• The penalties for Driving Without Insurance are found in section 2 of the “Compulsory Automobile Insurance Act”.  (Click here to read the penalties as they are written in the law.)

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Introduction

If you drive a vehicle (or someone else drives a vehicle) that is registered to you, but without a valid insurance policy, You will be charged under the “Compulsory Automobile Insurance Act.”  There are lots of laws you need to follow when you drive.  Your Driving Without Insurance charge is found in the “Compulsory Automobile Insurance Act”, Ontario legislation.

Under section 2(1) of the “Compulsory Automobile Insurance Act,” you cannot operate a motor vehicle unless that vehicle is legally insured.

The “No Insurance” laws are very clear

• The law is clear. If you own a vehicle, that vehicle must be insured. 
• And, it does not matter who is driving the vehicle. If the vehicle is not insured, then you will be charged with Driving Without Insurance, even if you’re not driving the vehicle.
• If your vehicle is not insured, then as long as that vehicle is NOT driven on a private road, then you will be found guilty of Driving Without Insurance.
• The distance that you drove is not relevant. Even if it’s just a few meters.  The law is clear on this.

Here is a summary of the penalties:

• Fines – For a 1st Time Conviction: For a first-time conviction, the minimum fine is $5,000.  The maximum fine is $25,000. 
• Fines – For Subsequent Convictions: If you have previous convictions on this charge, then the minimum fine is $10,000.  The maximum fine is $50,000.
• License Suspension: Up to 1 year.
• Vehicle Impoundment: Up to 3 months.

And, with all fines, the province adds a victim surcharge equal to 25% of the fine amount.  So, with a $5,000 fine, the total fine would be $6,250.  And, with a maximum fine of $50,000, the total fine would be $62,500.

Bottom line?  Get a No Insurance, assuming it makes financial sense

If you get a No Insurance charge in Ontario, you have one shot at getting this right in Provincial Offences Court, and the difference can be thousands of dollars.  Make sure you do everything you can on your end to better your situation, and make sure you get the best legal help (assuming it makes financial sense) so you can walk away from your charges with a solid legal outcome.