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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.

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