demerit points
02-Mar-2005, 09:44 PM
#1
Registered User
Thread Starter
Join Date: Jun 2004
Location: Kitchener
Posts: 348
demerit points
hey guys
im getting screwed for insurance b/c of my accident i think so.. i was just wondering, how long does it take for demerit points to come back? i heard it was 2yrs but now im hearing 3yrs? which is it :S
thanks
vik jae
im getting screwed for insurance b/c of my accident i think so.. i was just wondering, how long does it take for demerit points to come back? i heard it was 2yrs but now im hearing 3yrs? which is it :S
thanks
vik jae
02-Mar-2005, 09:48 PM
#2
Registered User
Join Date: May 2002
Posts: 1,419
demerit points stay on your drivers abstract for 3 years on the date of offense. and accidents stay on your record for 6 years. whether its at fault or not.
however i heard by some people that insurance companies can dig for demerit points up to 4 years. ..but you'll have to ask insuranceman for more clarification.
however i heard by some people that insurance companies can dig for demerit points up to 4 years. ..but you'll have to ask insuranceman for more clarification.
02-Mar-2005, 09:52 PM
#3
Registered User
Join Date: Mar 2004
Posts: 330
Demerit points - 2 years from date of offence.
Insurance companies don't care about demerits. Insurance companies look at accidents and moving violations.
Minor tickets stay on your insurance record for 3 years. Most insurance companies will let you have 1 or 2 free in any given 3-year perod.
Accidents for which you are partially or fully at fault stay on for 6 years. Accidents for which you are not deemed at fault should have no effect on your rates. You can be deemed at fault without being charged as a result of an accident. Fault is determined by both Ontario accident fault determination rules and/or by charges laid.
Insurance companies don't care about demerits. Insurance companies look at accidents and moving violations.
Minor tickets stay on your insurance record for 3 years. Most insurance companies will let you have 1 or 2 free in any given 3-year perod.
Accidents for which you are partially or fully at fault stay on for 6 years. Accidents for which you are not deemed at fault should have no effect on your rates. You can be deemed at fault without being charged as a result of an accident. Fault is determined by both Ontario accident fault determination rules and/or by charges laid.
03-Mar-2005, 12:39 PM
#4
Registered User
Thread Starter
Join Date: Jun 2004
Location: Kitchener
Posts: 348
ahhh... ummm.. you both said 2 different things so im not sure which is correct but lets assume that MOTTI is correct given that his scenario is nicer 
ok so.. i might as well just make this easier... this is my record:
1 no fault accident caused by some guy pulling out in front of me (no way i could have stopped in time).
3pts for "failing to stop at a posted sign"
a big accident in which my car slipped or something on the hwy, went from the right lane (Where i was originally), into the left lane, over the median then bounced into the oncoming traffic side... b/c another car got involved as i was crossing over.. i was charged with "failing to stay in my lane" which is 3pts
for this accident however i didnt go thru insurance so they will only know about the charge
so basically i have
1 x no fault accident
2 x 3pt tickets
so im guessing that when it comes time to renew my insurance... ill be fu_ked so.. thats why i was wondering how long it takes for the demerit points to clear... I CANT STAND DRIVING LIKE A GRANDPA while people rip by me...
anyways thanks alot tho guys
ok so.. i might as well just make this easier... this is my record:
1 no fault accident caused by some guy pulling out in front of me (no way i could have stopped in time).
3pts for "failing to stop at a posted sign"
a big accident in which my car slipped or something on the hwy, went from the right lane (Where i was originally), into the left lane, over the median then bounced into the oncoming traffic side... b/c another car got involved as i was crossing over.. i was charged with "failing to stay in my lane" which is 3pts
for this accident however i didnt go thru insurance so they will only know about the charge
so basically i have
1 x no fault accident
2 x 3pt tickets
so im guessing that when it comes time to renew my insurance... ill be fu_ked so.. thats why i was wondering how long it takes for the demerit points to clear... I CANT STAND DRIVING LIKE A GRANDPA while people rip by me...
anyways thanks alot tho guys
03-Mar-2005, 12:49 PM
#5
Registered User
Join Date: Mar 2004
Posts: 330
If there was an accident report filed when you got the fai- to-stay-in-own-lane charge, your insurance company will probably know about that accident whether you claimed for it or not. Seeing as you were charged and another car involved, you can pretty much bet that a report was filed either by police, the owner of the other car, or both.
So what you really have are 2 tickets, 1 at-fault accident and 1 not-at-fault (you say) accident.
As for you not wanting to drive like a grandpa, you should reconsider. You clearly have had no success driving in your previous manner, hence the accidents, tickets, and resulting insurance increase.
Are you suggesting that on expiry of your demerit points, that you would think it ok to start driving like a fool again? Let people rip by you, let them gather their own accident and ticket history and resulting insurance hikes.
It's not like it's a race out there, and it's not like letting people pass you is a reflection on your manhood or driving ability. If people ripping by you causes you such angst, then you have more serious issues to deal with aside from demerit points.
So what you really have are 2 tickets, 1 at-fault accident and 1 not-at-fault (you say) accident.
As for you not wanting to drive like a grandpa, you should reconsider. You clearly have had no success driving in your previous manner, hence the accidents, tickets, and resulting insurance increase.
Are you suggesting that on expiry of your demerit points, that you would think it ok to start driving like a fool again? Let people rip by you, let them gather their own accident and ticket history and resulting insurance hikes.
It's not like it's a race out there, and it's not like letting people pass you is a reflection on your manhood or driving ability. If people ripping by you causes you such angst, then you have more serious issues to deal with aside from demerit points.
03-Mar-2005, 05:08 PM
#6
Registered User
Thread Starter
Join Date: Jun 2004
Location: Kitchener
Posts: 348
Originally posted by motti
If there was an accident report filed when you got the fai- to-stay-in-own-lane charge, your insurance company will probably know about that accident whether you claimed for it or not. Seeing as you were charged and another car involved, you can pretty much bet that a report was filed either by police, the owner of the other car, or both.
So what you really have are 2 tickets, 1 at-fault accident and 1 not-at-fault (you say) accident.
As for you not wanting to drive like a grandpa, you should reconsider. You clearly have had no success driving in your previous manner, hence the accidents, tickets, and resulting insurance increase.
Are you suggesting that on expiry of your demerit points, that you would think it ok to start driving like a fool again? Let people rip by you, let them gather their own accident and ticket history and resulting insurance hikes.
It's not like it's a race out there, and it's not like letting people pass you is a reflection on your manhood or driving ability. If people ripping by you causes you such angst, then you have more serious issues to deal with aside from demerit points.
If there was an accident report filed when you got the fai- to-stay-in-own-lane charge, your insurance company will probably know about that accident whether you claimed for it or not. Seeing as you were charged and another car involved, you can pretty much bet that a report was filed either by police, the owner of the other car, or both.
So what you really have are 2 tickets, 1 at-fault accident and 1 not-at-fault (you say) accident.
As for you not wanting to drive like a grandpa, you should reconsider. You clearly have had no success driving in your previous manner, hence the accidents, tickets, and resulting insurance increase.
Are you suggesting that on expiry of your demerit points, that you would think it ok to start driving like a fool again? Let people rip by you, let them gather their own accident and ticket history and resulting insurance hikes.
It's not like it's a race out there, and it's not like letting people pass you is a reflection on your manhood or driving ability. If people ripping by you causes you such angst, then you have more serious issues to deal with aside from demerit points.
ok umm i dont even know where to start lol... ummm... no i do not like driving like a grandpa.. by that i mean: im afriad that if i even go traffic flow speed, ill be the lucky guy who gets singled out and given a ticket... rush hour traffic is never the speed limit and people always get busted for it... i think its extremely frustrating having people beep at you when ur going 50kmh when everyone else is going 60 - 80 or so..
03-Mar-2005, 06:02 PM
#7
Registered User
Join Date: Mar 2004
Posts: 330
Originally posted by VikJae
i think its extremely frustrating having people beep at you when ur going 50kmh when everyone else is going 60 - 80 or so..
i think its extremely frustrating having people beep at you when ur going 50kmh when everyone else is going 60 - 80 or so..
If you're doing 50 (I presume in a 50) and others are doing 80 or so, you won't be getting the tickets, demerit points and insurance hikes, will you?
You'll also be going at a speed at which you'll be far more able to react in time and avoid an accident if someone else should pull out in front of you again.
04-Mar-2005, 08:11 PM
#10
Registered User
Join Date: Mar 2004
Posts: 330
Originally posted by dielow
how long do claims stay on your record?
how long do claims stay on your record?
What affects your insurance are tickets and reportable at-fault accidents, whether or not a claim is involved, and even whether or not it was reported.
Most companies let you have one at-fault collision free before they start applying surcharges. After that, look out.
There is another catch though. Tickets or an at-fault collision might not result in a surcharge, but it could cancel out all or part of any good-driving discount you may have built up over time with your insurance company. While not technically an insurance surcharge, it can effectively result in higher insurance rates.
Theory is, regardless of claims history, a person who already has had one accident is statistically more likely to have another accident than someone with no prior accidents. A person with two accidents is much more likely to have a third accident than a person with one accident is to have a second, and so on.
When your rates go up as a result of accidents or tickets, it isn't so much to recover what the insurance companies may have paid out for you in past. It is to cover themselves for the extra risk you have proven yourself to be, to cover the statistically-proven increased risk of accident and likely insurance payouts on your behalf in future.
Thread
Thread Starter
Forum
Replies
Last Post
