I lasted 1 whole month without a speeding ticket

[kiwi]

Just plea guilty. It's only 10 over so you won't get any points. Going to trial probably isn't worth your time.

Lol. You have no idea how the system works. Paying means a conviction that means a possible increase in your premium depending on your company. It will be considered a minor ticket.

 

[Deleted member 40275]

Hmm thanks for this.

I know it says to go to the Edward Street office - is there any other office I could go to this with? Like the one in North York?

Lol. You have no idea how the system works. Paying means a conviction that means a possible increase in your premium depending on your company. It will be considered a minor ticket.

Yes you're right. I called my ins company and they recommended that I fight it because the 10 over is still going to **** up my rates and there is no difference if I get convicted with the 20 km/h over original ticket (which is worst case scenario) - I'll just get demerit points added on

 

[GateKeeper]

Insurance Companies do not run an abstract on all thier clients each and every year and each and every renewal, it costs them money to do this....

so your one ticket might go unseen by them or it might be found on your next renewal....

my younger son got a speeding ticket, still not on the insurance radar as an abstract has not been done, this is now 2 years, maybe he get pinched next year, maybe he don't....

I got a 10 over ticket, it never showed up on my insurance, it was never seen by the insurance company as they never did an abstract on me.....

so you can take your chances....

as for the ticket, 10 over 20 over it will be all the same to the insurance company, only way you will not have to worry about it is if the ticket is dismissed, and that is only if the cop don't show up, or there is something really wrong on how it was issued....

good luck...

 

[bboySushi]

If you take it to trial, my understanding is that your ticket does not show up on your record until you get convicted on the day of the trial. Then the ticket stays on your record for however many years from that day, not from the day you received the ticket.

So if your insurance comes up for renewal while waiting for your trial, your premiums would not increase because the ticket has not shown up on your record. So assuming OP will get convicted, it would make sense to me to delay the conviction date as much as possible, assuming your premiums will decrease as you gain riding experience in the eyes of the insurance company.

A 10% increase on OP's premiums 1 year from now should be a lesser dollar amount than a 10% increase on OP's current premiums, especially since OP is a new rider.

I'm under the impression if you get checked wtih a ticket and it's already been a year or two, they simply backcharge you for the time you had the ticket.

 

[daveyflakes]

Hmm thanks for this.

I know it says to go to the Edward Street office - is there any other office I could go to this with? Like the one in North York?

No, I believe you must go the location listed on the back of your ticket.

 

[PLau]

Insurance Companies do not run an abstract on all thier clients each and every year and each and every renewal, it costs them money to do this....

so your one ticket might go unseen by them or it might be found on your next renewal....

my younger son got a speeding ticket, still not on the insurance radar as an abstract has not been done, this is now 2 years, maybe he get pinched next year, maybe he don't....

I got a 10 over ticket, it never showed up on my insurance, it was never seen by the insurance company as they never did an abstract on me.....

so you can take your chances....

as for the ticket, 10 over 20 over it will be all the same to the insurance company, only way you will not have to worry about it is if the ticket is dismissed, and that is only if the cop don't show up, or there is something really wrong on how it was issued....

good luck...

It was discussed in an earlier thread that when they find out, they'll end up charging you the difference of premiums over the time missed. At the same time, if they go 3 years without checking the abstract and it disappears off there, might it be possible that they'll miss it

 

[GateKeeper]

I'm under the impression if you get checked wtih a ticket and it's already been a year or two, they simply backcharge you for the time you had the ticket.

It was discussed in an earlier thread that when they find out, they'll end up charging you the difference of premiums over the time missed. At the same time, if they go 3 years without checking the abstract and it disappears off there, might it be possible that they'll miss it

lucky me then......has not happened in my case.....

but just to be absolutely positively sure, I will check with my broker, and see what he says.......

 

[vince492]

Never just pay, fight every ticket no matter what, a $20 dollar a month increase over 3 years on your bike and then your car adds up to over a grand for that little 10 over ticket.

Its easy to say, but most cities ask you to go in person, on a week day, between 9h00 to 9h30 on a certain day, to fill out the form to contest your tickets. In my case I got a 70$ increase, over 3 years for 2 vehicle (I was turning 25, let's not talk about how cheaper it could have been) its still cheaper than fighting it.

I hate Ontario, insurance increase should be based on demerits point lost, not the freaking amount of ticket. 3 ticket at +1 over worth the same thing than 3 ticket at +30 over....

 

[FaithfulThrottle]

Ok e90 a lot of people have opinions on this topic, so here's mine.

If you go to trial your not fighting the 10 over your fighting the original speed you were caught doing.In the bottom right corner of your ticket you should see an 'R'. This tells the crown it was reduced, if you go to trial your saying you weren't speeding and you have to prove that, your word against his and without proof you will lose. On the other hand yes a 10 over is only a I think $53 and insurance wise it does go by convictions so hopefully your insurance company won't find out.

I would never go to trial unless you can PROVE you weren't speeding they will take the cops word over your's if it came down to it. and a friendly FYI everything you said and all the details about your ticket are in his notebook and forget the whole " they may not show up in court thing" those days are over. Good Luck.

 

[FaithfulThrottle]

For the love of Gog don't call your insurance company, you don't have to tell them anything. They will find it if they run a check on your policy and that usually happens when you renew or if you miss a payment. You have no legal obligation to tell them that's crazy !!!!

 

[Rob MacLennan]

Ok e90 a lot of people have opinions on this topic, so here's mine.

If you go to trial your not fighting the 10 over your fighting the original speed you were caught doing.In the bottom right corner of your ticket you should see an 'R'. This tells the crown it was reduced, if you go to trial your saying you weren't speeding and you have to prove that, your word against his and without proof you will lose. On the other hand yes a 10 over is only a I think $53 and insurance wise it does go by convictions so hopefully your insurance company won't find out.

I would never go to trial unless you can PROVE you weren't speeding they will take the cops word over your's if it came down to it. and a friendly FYI everything you said and all the details about your ticket are in his notebook and forget the whole " they may not show up in court thing" those days are over. Good Luck.

This is a common mistake that people make in their strategy. You do not have to prove that you were not speeding. The Crown has to prove it. All that you have to do, is introduce reasonable doubt. Was the device used, to measure speed, properly calibrated? Did the officer lose sight of the vehicle in question, at any point? Etc., etc., etc..