POINTTS 2017-06-15T22:16:50+00:00
Tickets Affect insurance Rates

As per IHC:
“Relatively minor tickets, including speeding tickets for 10-15 km/hr over the speed limit or having an expired insurance sticker, may only have a slight effect on your insurance premiums, and in many cases, insurance companies will forgive you for your first one. Two or more tickets, however will typically lead to an increase in your premiums. Of course, the increase becomes greater with each additional offence. For example, a second ticket may result in a 10% increase in your premium, a third one may mean a 15% increase, and a fourth, 25%, etc. Repeat offences demonstrate bad habits and unsafe driving practices – which increases the risk you present to an insurance provider, and earning you exponentially higher premiums”.


In Ontario, any moving violation will stay on your driving record for a period of three years from the conviction date not the offence date. 

If you pay a Traffic Ticket, you are pleading guilty and are automatically convicted – and that conviction appears on your driving record. When insurance companies set your rates, they look at the number of convictions you’ve had in the past three years – not the number of demerits. “Convictions are categorized as minor, major and serious – minor includes following too closely and speeding,” says Pete Karageorgos, director of consumer and industry relations with the Insurance Bureau of Canada. “Speeding 50 km/h over the posted limit is a serious conviction as is impaired driving.”



The penalty you incur for a driving infraction depends on the type of traffic ticket you receive. Tickets are typically divided into three classifications: minor, major and serious convictions, which include criminal acts. All ticket classifications, regardless of the fine or possible demerit points, can affect your insurance rate.
Minor Convictions include Speeding, Disobey Stop Sign, Unsafe Lane Change, Turn Not In Safety, Seatbelt, etc.
Major Convictions include Careless Driving, Distracted Driving, Fail To Report An Accident, Speeding in a School Zone, Speeding in a Construction Zone, Passing a School Bus, Suspended Driver’s Licence, etc.
Serious/Criminal Convictions include Stunt/Racing/Excessive Speeding over 50km/hr above posted speed limit, Fail To Remain At The Scene Of An Accident, DUI, Driving Uninsured, etc.


As per ThinkInsure.ca
As a driver, you want to avoid getting any traffic ticket; however, there are some that are even more important to avoid because of the potential fines, demerit points, and impact on your car insurance rates in Ontario.

Here are the top 8 traffic tickets and convictions you want to make sure don’t show up on your driving record :

1. DUI : Driving under the influence or DUI has severe repercussions, including criminal charges and jail time. Plus, you can almost guarantee you will be labelled a high risk driver.

2. Distracted driving : One of the most serious issues on the road today, distracted driving fines start at $490 and 3 demerit points in Ontario.

3. Careless driving : A charge for careless driving in Ontario will get you 6 demerit points, fines starting at $400 and even the potential for jail time.

4. Speeding over 50 kilometres about posted limit : This is a serious offense that could come with additional charges such as street racing, careless driving, and will increase your insurance rates immediately.

5. Speeding in a school zone or construction zone : This is not only extremely dangerous, it comes with a hefty fine and will spike your insurance rates.

6. Driving without insurance : This will make it very difficult to get insurance if you don’t have it. Expect your rates to be through the roof.

7. Failure to remain at the scene : If you get into an accident, remain at the scene or you could face a big fine.

8. Passing a school bus with its lights flashing : Never put children in harm’s way. If you get a ticket for passing a school bus, expect your rates to skyrocket.

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What People Are Saying About POINTTS™
Don’t just take it from us, let our customers do the talking!

“…POINTTS™, Belleville was the first place I had brought my traffic ticket, and I am grateful I did not think twice. I followed their direction towards my case and it fell precisely how they predicted. I was granted an appeal, and my charges were dropped. I would highly recommend to anyone with a traffic ticket to be consulted by their fantastic agents before taking action on their own.” Shayna V.

I would just like to say thank you very much for your service! When I called around for advice my Pointts representative was the first company that actually talked to me like I was a human being, and that made everything so much easier. I didn’t have to miss any time working to attend court and deal with this matter and the outcome was better than I could have hoped for! I was kept up to date throughout the process and it was no longer a complicated experience. I will be highly recommending your service to any friends and family who have traffic ticket issues in the future!
Thank you again! Nicole H.

“…thank you for the excellent job you and your colleagues did in reducing my speeding fine from $240 to $60 and even more importantly reducing points from 4 to 0!!! You made the process seamless and easy for me as a client. Would be happy to recommend your services to any of my friends should they ever need them. Thanks again.” V.H.

“… Liz ultimately used all her negotiating skills to achieve a resolution where I accumulated ZERO Demerit Points and paid a very small fine. I have nothing but praise and appreciation for what she has done for me. She will be highly recommended by me to anyone I know who happens to need the services of POINTTS. Thank you so much! W.G.

“Thank you for the excellent representation of my case at the court”. Ned A.

“I would like to thank you Randy for the service provided when I need it the most. Your help went beyond my expectations. You were caring, understandable and respectful while providing an excellent professional service. I will recommend you to anyone that will be in need for such service”. I.S.

“Thank you Elizabeth for your attending to this matter on my behalf. Your professionalism is above expectation.
Many thanks also to the Pointts team”. Douglas M.

Paying the Fine is Admitting Guilt

Don’t pay the Fine. Avoid Demerit Points and Hefty Insurance Increases. Fight your Ticket Today. Call us at 1-888-787-0260 and a POINTTS™ Traffic Ticket Specialist will provide you with a Free Initial No Obligation Consultation.