Car Insurance

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.

Read more A Cell Phone Ticket Will Destroy Your Car Insurance Rating

Have You Been Fully Compensated by Your Insurance Company for Diminished Value After a Collision?

This article was written by Ron Folkes, LL.B., Personal Injury Lawyer with Folkes Legal Professional Corporation, a Brampton Ontario Personal Injury Law Firm and D. Dean Renwick, President & CEO of the Professional Association of Vehicle Evaluators, Inc.

Motorists find that if their vehicle is damaged in a collision, even when properly repaired, its value is diminished, or worth less than that of an identical vehicle which has not been damaged. This is due to the “stigma” attached for a damaged vehicle.

Read more Have You Been Fully Compensated by Your Insurance Company for Diminished Value After a Collision?