What if you drive with No Insurance in Ontario in 2022
- This article is based on a very important topic regarding a No insurance ticket / charges in ontario and understanding what is at stake with a No Insurance conviction.
How happens after a No Insurance conviction in Ontario?
You can reference our website – but this is mostly a high fine – starting at $5,000 plus 25% court costs. The fine can increase exponentially depending on how many times you have been convicted of this charge.
How many points do you get for Driving Without Insurance?
None. There are no demerit points associated with a Driving No Insurance conviction.
Why are the penalties for Driving With No Insurance so harsh?- The penalties are severe because Driving Without Insurance in Ontario is considered a “public safety” offence. Here’s what that means.
- A typical car weighs about 4,000 pounds (or about 1,800 kilograms). That is a lot of weight to be moving on a set of wheels.
- Don’t think of it as a car. Think of your vehicle as a weapon. A 4,000-pound weapon. That can kill a person. That can put someone in a wheelchair. That can cause property damage.
- In the context of driving a 4,000 weapon, the Ontario lawmakers made a public policy decision. They do not want people driving a vehicle without insurance. Doing so poses a real danger to society (remember, think of a 4,000-pound weapon).
- Because Driving Without Insurance is considered a danger to the public, the lawmakers treat this charge differently and more harshly than a typical traffic ticket. This charge is more serious than “regular” traffic offences.
- Severe penalties are given because the lawmakers only want people to drive that follow the rules of the road. And creating harsher punishments sends a message to the public that society will not accept driving without insurance.
- Yes, the province will charge you with incredibly severe penalties. Yes, the lawmakers know this is harsh. Yes, the lawmakers know that you might not be able to absorb these penalties. And, if you are convicted with these penalties, then you lose your ability to feed yourself and your family. Yes, the lawmakers know that. But, that is the price you will pay when you pose a risk to the public.
