Hello,

I have a question here that I need an answer from insurance experts on the forum....

i got a ticket today for "failing to stop at the stop sign" when drving my girlfriend's car. (The owner of the car is her mom, precisely).

So here I am wondering whom the subsequent liability/lien of this conviction would fall under as it'd somehow affect the insurance premium ( i'd want it to fall under my name for obvious reason..).

also..is this ticket a 2 demerit point or 3 demerit points?
Any input are highly appreciated....

I am from Toronto, Ontario

 

You did the crime now you pay the fine. The ticket follows you. Unless you tell, the owner of the car will not know. I'd guess 3 for the infraction.
Sorry to hear bout it.

 

so does it mean that i will be the ONLY one that will be affected by this ticket??.. in other words, my girlfriend's mom (car owner) will not be affected in terms of increasing insurance premium regardless the outcome of this ticket?

 

Pretty sure that's how it works, stays with the driver.

 

yea you will be the one that the ticket folllows and doesnt affect the owner of the car

 

You will be the one affected by the ticket because it is registered against your drivers licence, it will not affect your girlfriend at all.
Conversely, if you had an accident in your girlfriends car, THAT would affect her insurance. When you lend your car, you lend your insurance to them as well.
Matt

 

i think thats a two pointer...

 

its 3 unless you plead guilty with reason, and then it becomes 2 and then fine is brought down to like 50$ or so..

 

+1, exactly WHS.

 

 

It's just a fine, doesn't deduct points. Insurance doesn't care. Follows the plate's registered owner owner.

 

um.. i am a bit confused here.. so if i run a redlight and get caught by the camera.. the insurance won't care... all i need to do is pay the fine on the mailed ticket....

but if i did a rolling stop and got caught by a police.. then not only will i have to pay the fine.. but the insurance will also use that to increase my premium though it seems like a much lesser crime compared to running redlight..?!?!?

 

Red light cameras have no way of checking your driver's licence.

Tickets follow the licence plate owner.

Read pts 10 and 11 here: http://www.myhamilton.ca/myhamilton/...CamerasFAQ.htm

 

Actually, we do care. I own an insurance agency and we dont care about demerit points because that is the way of the police and the MTO have of keeping track of how many points it takes to lose your licence. We look at the number of violations that you have.
A ticket is treated differently by a lot of different companies but it can effect your rate without question. You are right when you say the ticket goes to the person the plate is registered to. The insurance company you are with may overlook the ticket but if you try to shop your insurance, your quotes may vary greatly.
My .02
Matt

 

So are you saying the insurance agency can apply the fine to the driving record of two people when one vehicle is registered to both a husband & wife?
You don't know who was driving, from the red light camera photo.