Last night I T-Boned a transit bus... | Page 4 | GTAMotorcycle.com

Last night I T-Boned a transit bus...

+1 as above...I've had tickets before and the insurance even told me that as they're 'minor' in nature they won't affect the rate for me. Major infractions and accidents is what they're more concerned about.
 
canukgirl77 said:
This is what I thought too. I got a doozy speeding ticket almost 3 years ago (that got dropped to a minor), as well as one seatbelt violation 2 years ago. I've had my insurance renewed, bike and car, 2 different companies, and both have me as a clean driver/rider. I guess they don't check up on me all that often.

If they were to ask, i.e. if I was insurance shopping, I'd tell. Since I've been with the same companies for a few years now, though, I haven't told them. Hell, I just bought a new car, and they didn't ask then either, when changing the vehicle on my policy.
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Just remember non-disclosure can mean denial of claims and cancellation of insurance...

http://www.easywayinsurance.ca/page.asp?pageid=10112
[h=6]5. Non-Disclosure[/h]It happens. We forget about a minor ticket we were issued almost three years ago. However, deliberately lying about your driving record, accidents or even years licensed can result in a policy being cancelled. If you're not caught at the time the policy is issued (keep in mind that there are very good databases containing all of your insurance records and driving record) and you do have an accident your claim can be denied due to what is known as material misrepresentation.
The bottom line is that you must disclose all of your tickets and claims. And just because one of those tickets was received while driving in Buffalo doesn't mean in won't appear on your record - it will. Getting cancelled for misrepresentation has the same impact on your premium as an at-fault accident.
 
i had no idea! this is great to know! :)

Brian P said:
If there really was a tree obstructing a stop sign, do NOT forget to go back there NOW (before someone goes ahead and removes some branches or leaves) and get a time-and-date-stamped picture of what it looks like on the approach to the sign.

There are regulations for sign placement and visibility that the sign has to meet.
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Major said:
Okay...
1st - I'm glad you're okay. You're able to walk away and that's God helping you out. May not seem like it now, but sometimes you get what you need, not what you want.

2nd - I'm not going to lecture you on the mistakes you made. I'm sure when you're calmer and can critically reflect, you will be able to learn a few things from this.

Now let's deal with the facts of what has occurred and some options you have and decisions you will HAVE to make.

The Ticket....
IF you truly believe there are grounds to fight the ticket, then FIGHT IT. Prepare a defence and the grounds to introduce reasonable doubt. Re-visit the scene with a friend and take pictures. Remember to visit it at the same time of day and try to note the environmental conditions. Write down everything you can remember from the incident.

Were were you coming from? Where were you going? Was this a new route or had you travelled it before? What time did you depart? Did you leave yourself enough time to make it to your destination (in consideration of license limitations)? Were you behind schedule or on time at the time of the incident? How can you determine at what speed you were travelling? When was the last time you checked your speedometer? I will try and PM you some additional questions.

Remember the Crown and the Officer are going to try and make the charge stick so they are going to ask you some difficult questions and will illustrate your novice status.

This ticket will not directly affect your insurance right now. It's any subsequent tickets you may receive within the next 3 years that will really impact the rating. 2 or more tickets will affect the rating and 2 minors + the collision will put you in facility for 3 years.

The collision....
Have you read your insurance certificate? Pull it out now. Do you have premiums beside Collision or All Perils coverage? If so, then you have direct coverage on the motorcycle. How are you feeling 24-48 hours after? Sore, stiff, neck? If you are injured, then make notes on it and visit your doctor. If you have collision or All Perils, then report it right away. You're going to be rated for the collision so you may as well get your bike repaired or paid out quickly.

The insurance company WILL find out about the incident. But when you should you report it? When is the insurance renewal? If you don't have collision or All Perils and the renewal is less than 60 days away, you may be able to dodge the premium increase for another year. Depending on when the TTC (not the police) reports the collision to your insurance company the renewal date will pass and the next renewal will reflect the re-rating.

Don't worry about the insurance company trying to deny coverage based on any alleged moving violations (the ticket or you riding outside your license restrictions). The only grounds of denying coverage is usually based on you lying at the time of applying for coverage (a material misrepresentation that would have affected the premium charged) or a criminal act (such as racing or drinking charge).

Summary of decision points you have to make....
1. Fight the ticket based on reasonable grounds.
2. Report to your insurance company if you have collision or all perils coverage or if you are hurt.
3. Wait for the TTC to report if you don't have direct coverage on the bike AND are not hurt.

Sorry for the long post, but there is a lot of info to cover.
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This is a new route that I was travelling. I was told by my buddy to take this route as it would have less stop than going south on Dufferin. I was coming from the Bathurst and Finch area. I departed around 12:35 AM. I did not expect to be out so late as I travelled to my friend for him to give me a ride to Ancaster for a wedding shoot. The bride requested we stay long with extra pay and so we did. As for the speedometer I was fairly certain I was going ~40kph as I was in first gear and searching (First gear on a thumper out of 5)

For everyone else who a has commented on this thread... I thank you for both your positive thoughts and your criticisms of what I did that night. I had no business to be on that road at that time. There were always alternative means of getting home.

I screwed up major... I am getting conflicting advice from people I trust around me. I thank for yours, but unfortunately I am still not sure as the Internet has just given me the same amount of conflicting advice.

As for the comment regarding me hitting the broadside of the bus, I found it very eye opening. After repairing my bike, I fully intend on selling it and quitting this endeavour into motorcycles. I failed at it. I was brimming with confidence after passing my RTI course with a perfect score. As for the comment regarding my ignorance in 'asking the cop to not show up' I guess thats not how the world works, I am still young (26) and ignorant of some things.

As to how I broke my right footpeg: I turned right to avoid the bus coming from the right(he sped up to avoid me) The bike fell on its right side.

For those who maybe wondering, I have been driving(4 wheel) since I was 16 I have a clean driving record with no speeding tickets.
 
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SLaP said:
Just remember non-disclosure can mean denial of claims and cancellation of insurance...

http://www.easywayinsurance.ca/page.asp?pageid=10112
5. Non-Disclosure

It happens. We forget about a minor ticket we were issued almost three years ago. However, deliberately lying about your driving record, accidents or even years licensed can result in a policy being cancelled. If you're not caught at the time the policy is issued (keep in mind that there are very good databases containing all of your insurance records and driving record) and you do have an accident your claim can be denied due to what is known as material misrepresentation.
The bottom line is that you must disclose all of your tickets and claims. And just because one of those tickets was received while driving in Buffalo doesn't mean in won't appear on your record - it will. Getting cancelled for misrepresentation has the same impact on your premium as an at-fault accident.
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+1

I`m not saying I`d call up my insurance company and tell them when I got a ticket either.. some pull abstracts every renewal, some don`t... I dont have any tickets myself but my wife does, and I`ve gotten lucky a time or two where the insurance company didn`t find them.. I was never asked, so I didn`t lie.. but I didn`t correct it.. thats a risk I took.. but IF there was an accident, AND it was discovered that you didn`t report the discrepancy it is possible that the policy be canceled and you be on the hook for the whole shebang.
 
Coaxial said:
... After repairing my bike, I fully intend on selling it and quitting this endeavour into motorcycles. I failed at it. I was brimming with confidence after passing my RTI course with a perfect score. As for the comment regarding my ignorance in 'asking the cop to not show up' I guess thats not how the world works, I am still young (26) and ignorant of some things...
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Coaxial,

Although I may have been hard on you above, I`m simply not of the opinion people should waste tax dollars and clog up the court system to fight tickets when they know they have dome something wrong. I`ve made it clear that I think you should man up and pay the fine BUT having made a mistake doesn`t mean I think you are a menace to the road or should stop ridding. You`re a new rider.. these things happen. Get it sorted out, pick yourself up and try again.. you will actually be a better rider now that you know what can happen.. after you get over the initial few rides where you are scared it`s ALWAYS gonna happen!

A LOT of us on this forum have been in accidents or dropped our bikes.. myself included. I went off the road going around a corner at too high a speed last fall.. luckily there were no buses or other vehicles involved, just me and tree.. but I wasn`t seriously hurt, so I put the bike back together and got back on..
 
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Coaxial said:

...After repairing my bike, I fully intend on selling it and quitting this endeavour into motorcycles. I failed at it. I was brimming with confidence after passing my RTI course with a perfect score. As for the comment regarding my ignorance in 'asking the cop to not show up' I guess thats not how the world works, I am still young (26) and ignorant of some things. ...
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Don't Quit. "
Learning is experience. Everything else is just information." - Albert Einstein

When I bought my first bike, I crashed my brand new Ninja 500 just coming out of the driveway of the dealership. No major damage other than the farings and scratches on the exhaust. I was stupid and hadn't completed the Safety Course and this was my first time on a motorcycle (moving. lol). We all make mistakes and we learn from them. You will learn from this one.

Take the course again. It may not help you in insurance, but it will get you back on a bike. Do it NOW. If you can, get your bike repaired and start slowly in controlled environments (school parking lots near your home on weekends at 7:00am, with NO kids about). Practice what they taught you in the course. Ride with a friend. PM me and I will come and ride with you (as will many helpful riders here on GTAM).

But don't quit. You've survived and while it may not seem so now, it really isn't that bad. God Bless. ​
 
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hell I've dumped my bike at least 5 times in my first year even got t-boned by a mini van. Sure I was shaky after the accident but took just a few weeks on the bike to get my confidence back.

Don't quit you're not a quitter or you wouldn't have gone for your motorcycle license. Make that big effort to get back on the bike take it easy at first your confidence will slowly regain itself. Everyone makes mistakes in their first year it only makes them a better rider if they survived and some don't unfortunately but you did. After your second year of riding you'd be looking back at this as a well paid lesson in motorcycling riding.
 
^That's awesome, imagine running into a speed sign that said "maximum 00 km/h", knowing TPS theyd place a cop with radar there 24 hrs a day, lmao?
 
worked fine for me too, methinks maybe Splash is getting his net connection from a styrofoam cup and some string, lmao :p
 
JonnyWyshbone said:
worked fine for me too, methinks maybe Splash is getting his net connection from a styrofoam cup and some string, lmao :p
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Could just be the browser that he's using is misinterpreting the link. I tested it in IE9 and Firefox 12, but not Opera or Safari.
 
If the insurence company is State Farm - sure they do. They check the driver's record several times a years, as i understand.
BradPitt said:
first off - I wouldn't post this stuff online on a public forum...

secondly.. you got off on the M1 infraction.. i would pay up and hope this goes away.

as for your insurance you can always "play dumb" and not mention it. if they dont pull your driver abstract regularly they may never see the points on your license
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Coaxial said:
As for the comment regarding me hitting the broadside of the bus, I found it very eye opening. After repairing my bike, I fully intend on selling it and quitting this endeavour into motorcycles. I failed at it. I was brimming with confidence after passing my RTI course with a perfect score. As for the comment regarding my ignorance in 'asking the cop to not show up' I guess thats not how the world works, I am still young (26) and ignorant of some things. .
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Bro, like many of the other members stated, dont leave riding at that. **** happens. I've been in many accidents. The most recent was much worse accident than urs and my bike was heavily damaged. I'm still healing from my injuries yet everyday, I work a little on my bike, impatiently waiting for the day it and myself will be road worthy again (soon!)

Keep your head up man and your rubber down :D
 
You fix the bike and PM me, we will go riding out together and build some confidence in ya. No need to quit. If we quit every time something went wrong we would never progress in life. Let's put it this way you give me pointers on photography and I will help you ride, we all learn some thing, how's that? Trust me when you really start riding motorcycling is a lot of fun.
 
I know some people have already commented on this, but i wouldn't go to court, that stop sign is no where obstructed, i can see it perfectly, and if you travel down the road a little more on google maps, and do a 180 you can see the stop sign is in clear view.

i wwould probably pay the fine dont bother with fighting it, not because the cop will show up and blah blah blah, but because that stop sign is not obstructed ! .

either way good luck in the choices you make,

ride safe next time and not at night with your m1

psycho44 said:
I can't see the tree (behind the shrub) you mentioned that obstructed your view of the stop sign and I can see the stop sign clearly. Was it too dark? Well I'll just have to wait for the picture of the obstructed stop sign than.

But hey look on the bright side you lived to ride another day. Just take it as a hard lesson learned to slow down if you can't see anything on your right or left coming to an intersection. Always have the mentality that some idiot will blow a stop sign or red light whether there is one or not.

Whether to fight the ticket or not I'd fight it only because the Toronto's court system is so bogged up you might get off on a 11b or the officer doesn't show up. Paying it now or fighting it and losing the case either way your insurance will go up. At least fighting it you've delayed your insurance going up a year and have a chance of getting the charges removed.
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Police can summon the OP up-to six months after the accident and charge him with violating his M1 night condition

http://www.e-laws.gov.on.ca/html/statutes/english/elaws_statutes_90p33_e.htm#BK103

Limitation

76. (1) A proceeding shall not be commenced after the expiration of any limitation period prescribed by or under any Act for the offence or, where no limitation period is prescribed, after six months after the date on which the offence was, or is alleged to have been, committed.
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