Actually, as the insurance is with a private company, police aren't provided with the status of your insurance when they run your plate. At least not in Ontario, Quebec (and I'm sure others such as BC with government insurance) DO provide this info to police.
|
|
|
Failure to surrender insurance card (driving without insurance).
- Thread starter designkarma
- Start date
Actually, as the insurance is with a private company, police aren't provided with the status of your insurance when they run your plate. At least not in Ontario, Quebec (and I'm sure others such as BC with government insurance) DO provide this info to police.
The reporting centre is immaterial, as you're required by law to provide that information to the other person, who is involved in a collision with you. This is to be done immediately, not at some nebulous later date.
Duty of person in charge of vehicle in case of accident
200. (1) Where an accident occurs on a highway, every person in charge of a vehicle or street car that is directly or indirectly involved in the accident shall,
(a) remain at or immediately return to the scene of the accident;
(b) render all possible assistance; and
(c) upon request, give in writing to anyone sustaining loss or injury or to any police officer or to any witness his or her name, address, driver’s licence number and jurisdiction of issuance, motor vehicle liability insurance policy insurer and policy number, name and address of the registered owner of the vehicle and the vehicle permit number. R.S.O. 1990, c. H.8, s. 200 (1); 1997, c. 12, s. 16.
Penalty
(2) Every person who contravenes this section is guilty of an offence and on conviction is liable to a fine of not less than $400 and not more than $2,000 or to imprisonment for a term of not more than six months, or to both, and in addition the person’s licence or permit may be suspended for a period of not more than two years. 2009, c. 5, s. 54.
Do you have a source to be sure on this?
It seems very odd to me that they would ever just take your word for it that you have insurance, and give out a failing to produce proof of insurance charge rather then always the 5k failing to have insurance charge until you could prove otherwise unless they had that information in the cruiser..
Standards have dropped a fair bit, since they started farming out renewals to chambers of commerce, and the like. There's the way that things are supposed to be done, and then there's the way that they're actually done.
In that they are all private companies, they don't have a publicly accessible data base that police can access (although they do maintain a private data base that the individual companies can access as I realized when switching providers earlier this year... and it goes WAAAAAAAY back).
That said, there's always the option of calling the insurance company or the broker, but that's limited to "banker's hours"... but it was always be investigated the following day.
That said, there's always the option of calling the insurance company or the broker, but that's limited to "banker's hours"... but it was always be investigated the following day.
It depends on the insurance company. Statefarm counts EVERY ticket you get "while driving", even non HTA violations!!! Best to call your broker and tell them uncle bob wants to sign up but has three "failure to surrender's" on his record and see what they sayI'm just curious, do the insurance companies count fail to surrender slip the same as speeding ticket or running a red, or do they let this one slide? At least they know they're getting their lb of flesh
-Jamie M.
This always drives me nuts and lends evidence to me that it's really just regulated extortion. It's ridiculous that forgetting to have a piece of paper in your car could cause a rate increase.
One other note gents. Make sure you have all your paperwork and equipment in order. Those "value added" tickets are also used an extortion tool when trying to cut a deal with the prosecutor.. In any case it's a waste of time. The prosecutors aren't allowed to cut you any deals that won't result in insurance increases, so you might as well save yourself the trip to the courthouse and the insane parking fees and fight it all the way.
Got a reply from FSCO, on a friday even!!!
"Dear Jamie M.,
Thank you for contacting the Financial Services Commission of Ontario (FSCO).
Please note Bulletin A-02/08 – Compulsory Automobile Insurance Act (CAIA) "Insurance Card": http://www.fsco.gov.on.ca/en/auto/autobulletins/2008/Pages/a-02_08.aspx
The bulletin makes reference to previous bulletins issued by the Superintendent, which may be accessed by clicking on “Publications & Resources” and then “Property & Casualty – Auto Bulletins” on the left side of the page of the FSCO website noted above.
We trust this information is of assistance.
Sincerely,
FSCO Contact Centre Staff"
I read the document, it doesn't answer my question at all! lol.
-Jamie M.
"Dear Jamie M.,
Thank you for contacting the Financial Services Commission of Ontario (FSCO).
Please note Bulletin A-02/08 – Compulsory Automobile Insurance Act (CAIA) "Insurance Card": http://www.fsco.gov.on.ca/en/auto/autobulletins/2008/Pages/a-02_08.aspx
The bulletin makes reference to previous bulletins issued by the Superintendent, which may be accessed by clicking on “Publications & Resources” and then “Property & Casualty – Auto Bulletins” on the left side of the page of the FSCO website noted above.
We trust this information is of assistance.
Sincerely,
FSCO Contact Centre Staff"
I read the document, it doesn't answer my question at all! lol.
-Jamie M.
|
|
|
|
|