A Cell Phone Ticket Will Destroy Your Car Insurance Rating

Please note as of January 1, 2019, a cell phone ticket in Ontario will carry a 3-day license suspension and a $1000.00 Fine.

What does this have to do with your insurance?

Well if you receive this conviction it will be seen as a Major Conviction (minimum surcharge of $350.00) plus a ratable license suspension (minimum surcharge of $150.00) and a guaranteed non-renewal/cancellation of your auto policy. The reason for this is that insurance companies do not want to insure drivers who text and drive as they are at a higher risk of a fatal accident. Insurance companies are even taking into consideration the people who received a texting and driving ticket prior to January 1, 2019 and may be rating their insurance policies accordingly to the new rules. You may be placed in the high-risk category at greatly increased cost.

If you have this ticket on your record currently, you might be seen as a high-risk driver and we may need to place you in a high-risk market come your renewal. Please note that all convictions and license suspensions stay on your record for 3 years – after that they are not ratable.

This article was written by Ron Folkes, LL.B., Personal Injury Lawyer with Folkes Legal Professional Corporation, a Brampton Ontario Personal Injury Law Firm.

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