Rob I don't believe 40 is considered a major by insurance. I know for TD meloche monnex they classify all tickets 0-49 over in 1 bracket (minor) and 49+ as major.
It varies, I suppose. Worth checking into with the specific company.
Rob I don't believe 40 is considered a major by insurance. I know for TD meloche monnex they classify all tickets 0-49 over in 1 bracket (minor) and 49+ as major.
It depends on the insurance company. TD is 49+, state farm is 45+, some companies are 31+. Most of them are going to be switching to the "4 points" rule for majors (so says my source).Rob - When did 41 over become a major? It used to be 50 km/h over (or supposedly 45 with some insurance companies)? Now I see some sources say 31 km/h is a major?
It depends on the insurance company. TD is 49+, state farm is 45+, some companies are 31+. Most of them are going to be switching to the "4 points" rule for majors (so says my source).
-Jamie M.
It's best to call your broker and pretend you are someone else and askWhat about a 4point following to close ticket, Is that a major in insurances eyes?
Rob I don't believe 40 is considered a major by insurance. I know for TD meloche monnex they classify all tickets 0-49 over in 1 bracket (minor) and 49+ as major.
I just started an online quote with TD for curiosity and under prior convictions they differentiate between a speeding ticket below 49 km/h over and those above that speed. Does each insurance policy treat these major/minor categories differently?
State farm did something really strange with my buddies renewal. He did the same thing as you, put off his plea deal until after his insurance renewal. TWO YEARS later they found out about it, and put on his renewal "surcharge applied until 3 years from the date we found out about it"! He said screw that and switched insurance companies but they added the surcharge to all of the months he was insured between his actual conviction date and the day he cancelled, and totalled them up in the cancellation fee!!I was at early resolution this morning. He offered me 15 over and no points. You can chose early resolution and if you are not happy with the outcome you can still go to trial. It took me several months to get a date to meet with the prosecutor and you can change the date once. If anything, it was put off until after my insurance renewal was completed
I was at early resolution this morning. He offered me 15 over and no points. You can chose early resolution and if you are not happy with the outcome you can still go to trial. It took me several months to get a date to meet with the prosecutor and you can change the date once. If anything, it was put off until after my insurance renewal was completed
Good info, thank you! What was the original ticket for?
I didn't realize that it was considered a major ticket... that changes things.
Rob - I trust your judgement. What would you do if you were in my shoes?