subject: When You Drive Without Insurance [print this page] Every driver in Toronto should have a valid car insurance. It is a compulsory requirement for any person who uses, causes or permits a vehicle to be used on the road or other public places. What should you do if you've got a traffic ticket for driving without insurance in Toronto? Let's clear up the situation.
For starters, there are three possible offenses in Toronto that you can be charged with when unable to show your insurance document:
*Driving without insurance;
*Failing to produce an insurance document;
*Failing to display a decal on your license plate.
For these violations you can get one of three traffic tickets in Toronto: Violation Ticket, Appearance Notice, or Summons. As a rule, for driving without insurance in Toronto you get Violation Ticket. But if your driving record reflects your poor driving habits, you may get an Appearance Notice or a Summons. Your traffic ticket will show the offense you are charged with.
If you've got a Violation Ticket for driving without insurance in Toronto you will be punished by the following fines:
*Driving without insurance - $598. It includes fine of $520 and victim surcharge of $78.
*Failing to produce an insurance document - $81, consisting of a fine of $70 plus victim surcharge of $11.
*Failing to display a decal on your license plate - $109. Includes a fine of $95 and victim surcharge of $14.
You have several options to deal with your traffic ticket for driving without insurance in Toronto. You can plead yourself guilty by paying the fine or you can fight your traffic ticket in court.
When you decide to fight your traffic ticket it is advisable to hire the paralegal in Toronto. If you want to plead guilty make sure that you've paid your fine within 30 days. In case you manage to do this you will save $25. The amount of fine is written down in your traffic ticket. Yet you need to be aware that your fine comes with the certain number of demerit points.
You may choose to go for trial and to fight your traffic ticket in Toronto. In this case, you must deliver or mail a Notice of Dispute to the court during 30 days. If you have not demerit points on your driving record the court may lower your penalty. Your fine may be higher in case it is not the first traffic ticket for driving without insurance for you. In some cases the driver in Toronto may be imprisoned. But in fact this happens very rarely.
If you have Appearance Notice or Summons in Toronto, your fine will be ranging from $300 to $2000. You can be prohibited from driving or imprisoned for up to six months. When you've got a traffic ticket of this type it's better to hire a paralegal and fight your traffic ticket in court.
by: Oksana Jerusha
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