No Insurance
Compulsory Automobile Insurance Act RSO 1990 c C.25
Pursuant to the Compulsory Automobile Insurance Act, the owner of a motor vehicle is responsible for ensuring that the vehicle is covered with liability insurance before the vehicle is driven on the roadway. Being found guilty of driving without insurance can have an adverse impact on your insurance rates in the future. Insurance companies will not approve you easily and with great expense.
This also includes circumstances where the owner of the vehicle is not driving, he or she can be charged with “permitting the operation of a motor vehicle without insurance”.
As a result, the fine for driving without insurance is five thousand ($5000.00) dollars, plus a surcharge (tax) of approximately (25%) for a first offence.
For a second conviction, the minimum fine is $10,000 plus +25% surcharge.
Fail to Surrender Insurance Card
If the driver of a motor vehicle cannot provide proof of valid insurance, the officer has two options. If the driver is the owner of the vehicle the officer has the option to charge the driver with operating a motor vehicle without insurance, or failure to surrender an insurance card. If the driver pays a ticket for “Fail to Surrender Insurance Card” the ticket will go onto the driver’s abstract for three (3) years and can affect the insurance rates, even if the driver did have insurance.
Subsequently, if the driver of the motor vehicle is not the owner of the vehicle, the officer cannot charge that driver with Operate a Motor Vehicle Without Insurance. The police officer can only charge the “operator or driver” with the offence of fail to surrender evidence of insurance. The fine for Fail to Surrender Insurance card is six five ($65.00) dollars.
Produce False Evidence of Insurance
If the police officer believes that the motorist presented false evidence of insurance, the officer can lay a charge of “produce false evidence of insurance”. The onus is on the owner to prove to the officer that they had valid insurance on the vehicle. The penalty for producing false evidence of insurance offence is $10,000.00, plus the twenty percent surcharge.
If you face a No Insurance Charge, you require professional expertise and experience that the Juzkiw Law team provides.
Fighting No Insurance Tickets
Our team at Juzkiw Law provides professional qualified assistance to provide you with a winning defense.
There may be cases where you did not know that the vehicle did not have insurance. We examine all the evidence against you and bring out all the mistakes and inconsistencies in your case.
There may be several instances where your constitutional rights under the Charter of Rights and Freedoms may have been infringed. We analyze all the details in your case and assess any infringement of these rights. If there has been an unreasonable delay in your case, we bring an application to have it dismissed outright.
The prosecutors key witness is the police officer who gave you the ticket. We use our advocacy skills to cross examine the police officer at trial and bring out any mistakes and inconsistencies.
If you have been convicted with driving without insurance or failing to surrender your insurance, we can help you appeal the conviction. It is important to act fast, as you have 15 days from the date of your conviction to appeal your traffic ticket. We use our experience and advocacy skills to put our best defense forward at your appeal.
If you have been charged with operating a motor vehicle without insurance contact our team at Juzkiw Law at (416) 290-5055 to learn how we can help you.
Juzkiw Law provides professional qualified assistance to provide you with a winning defense. Our team will discuss your case free of charge or you can email us for a free consultation.