Our City And Goverment Are Stupid !!

Pegassus

Pegassus

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If you get a ticket and plead guilty and pay it your insurance company is allowed to raise your monthly payments and penalize you for years to come. This is why people FIGHT their tickets more than ever now and clog the courts. You would think that this province/city would smarten up and make it illegal for insurance companies to raise your payments for getting a ticket and in turn cause a windfall for themselves because wouldn't bother fighting tickets anymore.

I got 3 tickets within 4 months. Major tickets of $250 or more each. I have also gotten 10 km/h speeding tickets. I have fought ALL of them and won. I would have NOT fought them if it didn't affect my insurance rates, bit I did. I just got one more big ticket pending. "Fail to have seat belt assembly" or something like that, there was this kid in the backseat of my minivan without his seatbelt on, he could not find it, the seat belt had wedged itself between the seats. I took pictures 1 hour later of the seatbelt buckle with a copy of the Toronto Sun right next to it to prove the date. I'm due on November 30th.

Why is this government so stupid in fattening the pockets of insurance companies at their own expense?
 
Id say people breaking the law is what is clogging the court system up, not insurance companies making a profit on speeding.
 
First of all, driving around with kids who aren't wearing seat belts... classy. You should have sorted that out before you got going

Let me preface my second point by saying that I think insurance companies are robbing us all blind. But the fact of the matter is, they have to judge your likelihood of having an accident without ever meeting you. All they have is your driving history. In their mind (and for good reason, I would assume), people who rack up dirty driving records are more likely to crash, so they get higher premiums
 
Think of all the time you saved speeding so, you can use the "extra" time saved fighting those tickets in court!!!!


You are joking about the kid with no seat belt and complaining about getting a ticket for that right? I just might have to put you on troll alert. lol.


Instead of ranting, your time is best served wondering how to avoid getting caught all the time. My god! I regularly travel above the posted limit and never seem to grab the attention of LEOs.
 
Maybe they should just make it so that no points tickets don't show up on your abstract. Now when the police are running those assembly line, money raiser, quota meeting, speed TRAPS the cops could give out the lower no point tickets up front except for the people that are really going fast or the people with attitude. It is not uncommon to start with, for the police to drop it to no points at the spot or in court anyways...

Now they can make their quota, the city gets some cash, no point in fighting it, people slow down (at least at the trap). For the driver/rider, no life ruining insurance increases for minor--not an actual safety issue/flow of traffic--speeding.

If of course you are flying or are a jerk, full ticket for you...

Just an idea.
 
Pegassus said:
If you get a ticket and plead guilty and pay it your insurance company is allowed to raise your monthly payments and penalize you for years to come. This is why people FIGHT their tickets more than ever now and clog the courts. You would think that this province/city would smarten up and make it illegal for insurance companies to raise your payments for getting a ticket and in turn cause a windfall for themselves because wouldn't bother fighting tickets anymore.

I got 3 tickets within 4 months. Major tickets of $250 or more each. I have also gotten 10 km/h speeding tickets. I have fought ALL of them and won. I would have NOT fought them if it didn't affect my insurance rates, bit I did. I just got one more big ticket pending. "Fail to have seat belt assembly" or something like that, there was this kid in the backseat of my minivan without his seatbelt on, he could not find it, the seat belt had wedged itself between the seats. I took pictures 1 hour later of the seatbelt buckle with a copy of the Toronto Sun right next to it to prove the date. I'm due on November 30th.

Why is this government so stupid in fattening the pockets of insurance companies at their own expense?
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Enlighten us Peggy, what metric should the insurance companies use to price your insurance?
 
demerit points are completely meaningless to a fully graduated class driver

if you get three no-point tickets in three years, you'll either be forced to take public transit or facility

low speed limits = no compliance
high speed limits = drivers go +15kph

if you feel a speed limit is too low, you need to complain to the city and have your councilmen change it!

if enough people complain, they will have speed revision studies and actually change the limit.

we had this non-sense enforcement point at Bovaird & The Gore Rd a few years back where the speed just dropped from 70kph to 50kph, and Peel Police had atleast 3 cruisers on Julian Drive (all day... all night); residents complained to their local councilmen, and the posted limit was brought back upto 70kph

you need to target the heart of the problem, moaning about enforcement points to the police aren't going to make a difference; complaining to your local councilmen and getting speed limits increased is making a difference

http://www.york.ca/NR/rdonlyres/cqm...xfg4glbykxiihyvvjqekjkbosftf/rpt+7+cls+22.pdf

HOWEVER

on the flip-side, if residents feel that as a result of low compliance people blatantly speed; they will cry a river all the way to city hall, and you'll bet your bottom that Police will setup Speed Enforcement Programs to appease the residents; and yes, numbers are important here! residents love to hear numbers!

stop-signs are the same, if residents complain there is low compliance... you'll have police rack up numbers to keep the residents happy

http://www.thestar.com/news/gta/article/1227038--elderly-man-killed-in-brampton-hit-and-run

“But some cars are very fast and they can’t care less. If somebody drives at speed limit, then this wouldn’t have happened like this.”
 
backmarkerducati said:
Maybe they should just make it so that no points tickets don't show up on your abstract. Now when the police are running those assembly line, money raiser, quota meeting, speed TRAPS the cops could give out the lower no point tickets. Just an idea.
Click to expand...

That's actually a really good idea.
 
tricky said:
they have to judge your likelihood of having an accident without ever meeting you. All they have is your driving history. In their mind (and for good reason, I would assume), people who rack up dirty driving records are more likely to crash, so they get higher premiums
Click to expand...

I find it a flagrant double-standard that I cannot go to a police station and get the driving record of my employee or neighbor (as an example) yet a private corporation is allowed the database of every licenced driver in Ontario.

To all those defending the insurance companies, do you think it's fair that I'm paying more insurance because my tenant has a bad driving record but has my same address? Do you? Or maybe because I moved to Bramptom I get dinged because of the postal code? Get outta here.
 
One ticket every few years is bad luck. Three major infractions plus ten speeding tickets in four months is bad driving.

Given the rather protected market auto insurers enjoy, they should be required to aggressively combat fraud, which is often claimed as the #1 reason for premium increases.

Most of the recent scams reported in the news seemed so blatantly obvious in execution that you have to wonder if an informal conspiracy was taking place. Leave loopholes in the system > allow crooks to exploit them > "expose" the scams > claim fraud is hurting profits > lobby government > raise rates > reform regulations with new loopholes.

Sure there will always be someone gaming the system, but when it's the system itself doing it, we have a problem.
 
backmarkerducati said:
Maybe they should just make it so that no points tickets don't show up on your abstract. Now when the police are running those assembly line, money raiser, quota meeting, speed TRAPS the cops could give out the lower no point tickets up front except for the people that are really going fast or the people with attitude. It is not uncommon to start with, for the police to drop it to no points at the spot or in court anyways...

Now they can make their quota, the city gets some cash, no point in fighting it, people slow down (at least at the trap). For the driver/rider, no life ruining insurance increases for minor--not an actual safety issue/flow of traffic--speeding.

If of course you are flying or are a jerk, full ticket for you...

Just an idea.
Click to expand...

Cops dont like handing out little tickets because when they are busy writing the 10 km/hr over ticket there are motorists going by doing 30 over. Not to mention the officer would need to write 5 tickets at 10 over to bring in the same revenue as one 30 over ticket.
 
Are we not missing the point here?The idea is safety yet the purpose is revenue.The question to ask in my mind is if the 401 is engineered for a maximum speed of 150kph why is the limit set to 100kph.I Europe if a highway is engineered for 150kph thats where the limit is set.The definition of speed trap is enforcement of arbitrarily low speed limits.Does this not mean all highway enforcement are speed traps.Why is it ok to merge onto a highway limited to 100kph at 60kmph yet ticket someone at 120kph when the former is more dangerous even if the 100kmph maximum is followed.And yes I have been drinking rather steadily since 1200pm,im on break.
 
Not according to the Windsor star.There was an article with regards to the new bridge where an auditor contracted from New York stated this.Maybe they made a mistake,where did you get your information?Not that it really matters since the limit will never be raised
 
Give me a break. Your constant whining gets irritating. Next time, obey the law and try not to get 3 tickets in 4 months.
 
backmarkerducati said:
Maybe they should just make it so that no points tickets don't show up on your abstract. Now when the police are running those assembly line, money raiser, quota meeting, speed TRAPS the cops could give out the lower no point tickets up front except for the people that are really going fast or the people with attitude. It is not uncommon to start with, for the police to drop it to no points at the spot or in court anyways...

Now they can make their quota, the city gets some cash, no point in fighting it, people slow down (at least at the trap). For the driver/rider, no life ruining insurance increases for minor--not an actual safety issue/flow of traffic--speeding.

If of course you are flying or are a jerk, full ticket for you...

Just an idea.
Click to expand...

backmarkerducati for prez! If that was the case, I would have paid all my tickets instead of fighting them because my insurance rates went up 20% over a 5km/h (yes, five kilometers per hour - he was out to catch students who were gonna be out of town when court dates came) ticket. Of course, that'll never happen, because the insurance industry brib.. lobbi.. "golfed" the current system into place. On a good note, at least 50 people had the chance to get off on 11b because of my efforts and out of the last 10 tickets, I only got convicted once :D

k-man69 said:
Give me a break. Your constant whining gets irritating. Next time, obey the law and try not to get 3 tickets in 4 months.
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I've never been in a car with anyone who was fully compliant with the HTA and all the associated crap. You forget to put in a fresh insurance, slip and get nailed for 5 over, that's already 2 tickets in 15min. Fortunately, when I got nailed for 15 over, I had all my papers done right ;)
 
Pegassus said:
I find it a flagrant double-standard that I cannot go to a police station and get the driving record of my employee or neighbor (as an example) yet a private corporation is allowed the database of every licenced driver in Ontario.

To all those defending the insurance companies, do you think it's fair that I'm paying more insurance because my tenant has a bad driving record but has my same address? Do you? Or maybe because I moved to Bramptom I get dinged because of the postal code? Get outta here.
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Why should I pay the same price as someone who lives in the GTA? Higher chance of theft/vandalism or accidents in the denser populated area.

I speed all the time. In fact, I won't even admit to how fast I got up to on the weekend, but I somehow have a clean record. Sounds like you need to learn how and when to speed... Or keep doing what you're doing to take the heat off the rest of us.
 
Pegassus said:
I find it a flagrant double-standard that I cannot go to a police station and get the driving record of my employee or neighbor (as an example) yet a private corporation is allowed the database of every licenced driver in Ontario.
Click to expand...

Do you have a direct pecuniary interest in the driving of your neighbour or employee? If you are providing an insured vehicle to an employee, then you might have a leg to stand on.

The insurance company is putting their financial interests on the line for you. For that reason they have a right to know the level of perceived risk you present. If that level of perceived risk changes, then they have a right to know that too.

To all those defending the insurance companies, do you think it's fair that I'm paying more insurance because my tenant has a bad driving record but has my same address? Do you? Or maybe because I moved to Bramptom I get dinged because of the postal code? Get outta here.
Click to expand...

If your tenant has the same address as you then you don't get dinged for higher insurance, unless that tenant has access to your vehicle. If the insurance company thinks that he will then you fill out an exclusion form, stating that he does not have permission to use your vehicle. Simple.

I live in Brampton. Living in Brampton I know that it's more dangerous driving there than it is, say, in Barrie. Even more so than driving in North York. Insurance is like gambling; you have to know the odds if you ever want to win at the game. The odds vary from 'table' to 'table.' Your odds of winning at Blackjack aren't the same as roulette.
 
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Flywheel said:
One ticket every few years is bad luck. Three major infractions plus ten speeding tickets in four months is bad driving.

Given the rather protected market auto insurers enjoy, they should be required to aggressively combat fraud, which is often claimed as the #1 reason for premium increases.

Most of the recent scams reported in the news seemed so blatantly obvious in execution that you have to wonder if an informal conspiracy was taking place. Leave loopholes in the system > allow crooks to exploit them > "expose" the scams > claim fraud is hurting profits > lobby government > raise rates > reform regulations with new loopholes.


Sure there will always be someone gaming the system, but when it's the system itself doing it, we have a problem.
Click to expand...


Insurance companies can't win when it comes to aggressively combatting fraud. They can't refuse or limit benefit payments based on suspected fraud and can only stop paying after a successful conviction. The legal, investigation and surveillance costs often out weigh the costs of just paying out the claim.

I have many friends in claims and the private investation field and know they do their best to catch and prevent fraud. The stories they tell would blow your mind.


But, if there is one news report of the big bad insurance company refusing payment, there is hell to pay. So, it's all money spent after the fact. Given the swift action of leo's and court system, it's a wonder they get anyone convicted of fraud at all.


Do I think the insurance companies and government could do a better job? Absolutely!!!!
 
Pegassus said:
I got 3 tickets within 4 months. Major tickets of $250 or more each. I have also gotten 10 km/h speeding tickets. I have fought ALL of them and won. I would have NOT fought them if it didn't affect my insurance rates, bit I did. I just got one more big ticket pending. "Fail to have seat belt assembly" or something like that, there was this kid in the backseat of my minivan without his seatbelt on, he could not find it, the seat belt had wedged itself between the seats. I took pictures 1 hour later of the seatbelt buckle with a copy of the Toronto Sun right next to it to prove the date. I'm due on November 30th.
Click to expand...

Yeah... it's the city and gvmt that are stupid...

No pitty here. Maybe you should rethink your approach to driving all together.
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