Pulled over in Hamilton?

[74sickness]

Was in stoney Creek and got nailed do 10kmh over and never had my insurance slip because it's not my car, as it's my mom's car. I got 0 points on both tickets but obviously my Insurance will increase. I only have my g2 and never had a ticket before. What do you guys think I should do fight it? Or pay it?? Thanks

[XTOTHEL]

I assume one was for failure to provide insurance slip? Even if it is your mom's car, the insurance slip, along with ownership/registration, should be with the car.

I can't comment on the 10km/h over, 10km over in a 30 zone? 50? 60?

[Canadianbacon]

Insurance u can drop with valid proof of insurance. Fight speeding ticket cop may not show up free win!

[74sickness]

I assume one was for failure to provide insurance slip? Even if it is your mom's car, the insurance slip, along with ownership/registration, should be with the car.

I can't comment on the 10km/h over, 10km over in a 30 zone? 50? 60?
Yeah I understand for sure, I only had the expired insurance from last year. And it was a 50 zone apparently I thought it was a 60 because the rest of the road is 60 except that one spot.

[74sickness]

Insurance u can drop with valid proof of insurance. Fight speeding ticket cop may not show up free win!
That's what I was thinking of doing, some people say that if u drop the insurance and show them they still won't drop the charge. I gotta do some thinking thanks for the advice

[ryan2.3]

is it not common to just leave insurance in the car? i leave the cards in all my cars so if someone borrows my car they have the paper.

[ottoyu34]

No...:(

[74sickness]

is it not common to just leave insurance in the car? i leave the cards in all my cars so if someone borrows my car they have the paper.
I know usually is, I don't know what's going on in her head. Now it costs me on my insurance

[74sickness]

No...:(
****ing shitty eh buddy

[ryan2.3]

I know usually is, I don't know what's going on in her head. Now it costs me on my insurance

i got the same thing in oshawa a long time ago, i was away at school, came home for the weekend an dborrowed one of my parents cars. i got nicked going 10 over and had an expired insurance. I was 5 minutes from my moms work and they wouldn't let her bring the proper card to me. So he gave me two tickets, when i went to appeal, i brought my insurance as proof, they dropped the insurance ticket, reduced the speeding to like impeding traffic for like $30 and i got no points and insurance didn't go up.

[74sickness]

i got the same thing in oshawa a long time ago, i was away at school, came home for the weekend an dborrowed one of my parents cars. i got nicked going 10 over and had an expired insurance. I was 5 minutes from my moms work and they wouldn't let her bring the proper card to me. So he gave me two tickets, when i went to appeal, i brought my insurance as proof, they dropped the insurance ticket, reduced the speeding to like impeding traffic for like $30 and i got no points and insurance didn't go up.

Yeah i got 10km over, no points but being 19 insurance should still go up. Maybe if i fight the insurance ticket and i would win because the truck is insured, then maybe the 10km ticket wont effect my insurance. Im going to talk to my insurance agent and see what he says. Thanks for the help man

[bigguy1]

The no insurance slip should not make your insurance go up. Provided you show proof of the vehicle being insured. It's the speeding ticket that may impact it as your still a G2 driver.

[Fuman]

Really? 10km/h and he gave you a ticket. The cop must have been having a slow day, or it was a blitz operation.

Good luck with fighting the tickets

[m_bisson]

Really? 10km/h and he gave you a ticket. The cop must have been having a slow day, or it was a blitz operation.

Good luck with fighting the tickets

True Story is as follows: was driving 20 over and it got knocked down to 10.

[74sickness]

True Story is as follows: was driving 20 over and it got knocked down to 10.

lol yeah he caught me going 16kmh and knocked it down to 10kmh, whatever ill just fight them. The insurance one ill just show i had insurance during the time i was pulled over and the speeding ticket, i gotta think about what to do lol.

[SomeGuy]

Let me get this straight...you were driving in a car without proof of insurance over the speed limit and you think you should fight it why? You did what he ticketed you for...please tell me why you are innocent.

[74sickness]

Let me get this straight...you were driving in a car without proof of insurance over the speed limit and you think you should fight it why? You did what he ticketed you for...please tell me why you are innocent.

I wrecked my mazda 3 last week and this week i need a vehicle so i am driving my mothers, we just got a new slip for the car which IS insured but i just never had the new slip in the car. So fighting it is just go to court show them i had insurance during the time i was pulled over and they more then likely will throw it out. For the 10km/h who does it hurt if i fight it? does it effect you? no so next time you should worry about your little self and not worry about me.

[Canadianbacon]

Who speeds in their moms stock mazda 3? lol

[74sickness]

Who speeds in their moms stock mazda 3? lol
Read my previous post lol and it's not a mazda 3 it's a Ford Explorer, I just know the tm3 community is strong so I thought I'd ask

[Jenuine]

Who speeds in their moms stock mazda 3? lol

Says the guy who admitted to texting and driving...

[SomeGuy]

I wrecked my mazda 3 last week and this week i need a vehicle so i am driving my mothers, we just got a new slip for the car which IS insured but i just never had the new slip in the car. So fighting it is just go to court show them i had insurance during the time i was pulled over and they more then likely will throw it out. For the 10km/h who does it hurt if i fight it? does it effect you? no so next time you should worry about your little self and not worry about me.

Negligence/Ignorance is no excuse for breaking the law. It does effect me, you're clogging up the court system whose time could be better spent on people who have legitimate cases.

Also, you wrecked your 3? You've only got a G2? Now you're speeding and driving without proof of insurance? Sounds to me like you don't even deserve to have a license. If I were the judge I would not only make you pay up for the problems, but also make you go to driving school.

[74sickness]

Negligence/Ignorance is no excuse for breaking the law. It does effect me, you're clogging up the court system whose time could be better spent on people who have legitimate cases.

Also, you wrecked your 3? You've only got a G2? Now you're speeding and driving without proof of insurance? Sounds to me like you don't even deserve to have a license. If I were the judge I would not only make you pay up for the problems, but also make you go to driving school.

Clearly you don't know the situation, i never drive my mom's vehicle because i had MY own vehicle with FULL insurance and no accident or tickets before this crap. She always had her insurance in her purse and never thought someone else would drive her vehicle. Now i got someguy legit someguy telling me im clogging up the system?? I thought the speed limit was 60 because it is 60 on the whole road except that one spot, no sighs saying its a 50 and i was doing 66km/h. lmfaooo buddy you need to get some help, Also there is a reason why you are not a judge because you don't have the brain to do it.

[Aitch]

Negligence/Ignorance is no excuse for breaking the law. It does effect me, you're clogging up the court system whose time could be better spent on people who have legitimate cases.

Also, you wrecked your 3? You've only got a G2? Now you're speeding and driving without proof of insurance? Sounds to me like you don't even deserve to have a license. If I were the judge I would not only make you pay up for the problems, but also make you go to driving school.

Actually, if you read the rest properly:


... it was a 50 zone apparently I thought it was a 60 because the rest of the road is 60 except that one spot.


lol yeah he caught me going 16kmh and knocked it down to 10kmh,


I know usually is, I don't know what's going on in her head. Now it costs me on my insurance


He was going 66km/h in a 50km/h zone which he thought was a 60. Don't get all up on your high horse about that amount of speeding being such a horrible crime. Yes it's a mistake, surely not the worst one a teenage driver has ever made, let alone most of us experienced drivers.

Secondly, he was quite clear it was a borrowed car, which most people assume has an insurance slip in it. Again, don't say "speeding without proof of insurance" and insinuate he's such a horrible driver because of these circumstances. I can't say what type of driver he is, but I also don't want to see someone pigeonholed because of a certain set of circumstances.

Seriously, you'd think we were in the midst of winter here how quickly panties have been bunched. I will leave this open but let's everyone put on their big-boy pants and act like gentlemen, eh?

[74sickness]

Actually, if you read the rest properly:








He was going 66km/h in a 50km/h zone which he thought was a 60. Don't get all up on your high horse about that amount of speeding being such a horrible crime. Yes it's a mistake, surely not the worst one a teenage driver has ever made, let alone most of us experienced drivers.

Secondly, he was quite clear it was a borrowed car, which most people assume has an insurance slip in it. Again, don't say "speeding without proof of insurance" and insinuate he's such a horrible driver because of these circumstances. I can't say what type of driver he is, but I also don't want to see someone pigeonholed because of a certain set of circumstances.

Seriously, you'd think we were in the midst of winter here how quickly panties have been bunched. I will leave this open but let's everyone put on their big-boy pants and act like gentlemen, eh?

Thank you very very much someone gets it

[microtandme]

The guys looking for advice and no one is helping just criticizing. What a great community we have going on at tm3!

[MS3_]

10 over really? what a dick cop lol, everyone goes over 10 all the time.. anyways, fight both tickets.
you dont want your insurance to go up coz of those tickets.

[74sickness]

The guys looking for advice and no one is helping just criticizing. What a great community we have going on at tm3!

Evryones been pretty helpful except that guy, whatever there is always one of them.

[74sickness]

10 over really? what a dick cop lol, everyone goes over 10 all the time.. anyways, fight both tickets.
you dont want your insurance to go up coz of those tickets.

He caught me going 16km over and lowered it to 10km, which im going to fight both, i think ill be fine. Thanks for the advice :)

[MS3_]

He caught me going 16km over and lowered it to 10km, which im going to fight both, i think ill be fine. Thanks for the advice :)

ah ok now make sense lol. good luck!

[Aitch]

He caught me going 16km over and lowered it to 10km, which im going to fight both, i think ill be fine. Thanks for the advice :)

I don't know what a 10km/h over ticket will do to insurance costs, but I suppose it may not be insignificant at 19. Esp considering you have 6 more years of expensive insurance just based on your age. @CloudPump (http://www.torontomazda3.ca/forum/member.php?u=21951) any wisdom? If it was going to have a significant financial impact I'd be tempted to fight it.

At the same time, when the speed has already been dropped a bit and it's at 10km/h over (i.e. about the minimum for a speeding ticket) it may not be likely that the charge would be completely dropped. Getting the insurance ticket dropped and paying the speeding ticket might be your reasonable best-case outcome (just speculating).

[74sickness]

I don't know what a 10km/h over ticket will do to insurance costs, but I suppose it may not be insignificant at 19. Esp considering you have 6 more years of expensive insurance just based on your age. @CloudPump (http://www.torontomazda3.ca/forum/member.php?u=21951) any wisdom? If it was going to have a significant financial impact I'd be tempted to fight it.

At the same time, when the speed has already been dropped a bit and it's at 10km/h over (i.e. about the minimum for a speeding ticket) it may not be likely that the charge would be completely dropped. Getting the insurance ticket dropped and paying the speeding ticket might be your reasonable best-case outcome (just speculating).

Hmmm never thought about that, but what's the worst case scenario that happens i walk out with no tickets or i walk out with the same ticket right?? Appreciate the help very much man :)

[Fuman]

I thought only moving violations cause your rates to go up? Confirm to see if this is the case with your policy (if you call in, do it anonymously (pretend to be getting a quote)). If this is the case, see if the crown will drop the speeding and you can pay the insurance.

[FLIPDADY]

Always fight it regardless of the infraction.

[CloudPump]

I thought only moving violations cause your rates to go up? Confirm to see if this is the case with your policy (if you call in, do it anonymously (pretend to be getting a quote)). If this is the case, see if the crown will drop the speeding and you can pay the insurance.

All tickets count. Period. Failure to update your address counts just as much as a speeding ticket.

-Geoff

[CloudPump]

You have two tickets, both of which will have an effect on your insurance. From your previous statements it also sounds like you wrote off your car earlier. If that loss was at-fault, you're screwed, you will be non-renewed by your carrier and put into high risk insurance.

Failure to Carry or have Insurance Card is a minor violation that will be rated against you (unless you're with Intact insurance, the only company I'm aware of that will overlook *one* FCIC infraction). All speeding tickets from 1 km over to 49 km over are rated the same. Points have nothing to do with insurance and are not used for determining your rate.

Bringing your insurance slip does not guarantee that the FCIC charge will be dropped. You are required to have proof of insurance with you when you operate a vehicle. It does not matter if the vehicle is borrowed or if it is your own. Your responsibility as the operator of the vehicle is to ensure that all relevant documents are present before you set off. The offence isn't "hey we think you might not have insurance" the offence is "you do not have valid proof of insurance with you when you were stopped". Providing a slip after the fact does not alter the reality that no valid proof was given at the time of the stop.

If you fight the charges, you'd better win. A reduction in a charge is not a win. Going from a 10 km over ticket to a 5 km over ticket is no different.

If your write-off of your 3 was not at fault, I'd advise you to fight the charges *just* long enough to set up an appointment to get your G license. With a G and two minor convictions, it's unlikely that your insurance provider will non-renew. If you attempt to renew as a G2 with two minors, you will be bumped out and put into high-risk.

-Geoff

[SomeGuy]

You have two tickets, both of which will have an effect on your insurance. From your previous statements it also sounds like you wrote off your car earlier. If that loss was at-fault, you're screwed, you will be non-renewed by your carrier and put into high risk insurance.

Failure to Carry or have Insurance Card is a minor violation that will be rated against you (unless you're with Intact insurance, the only company I'm aware of that will overlook *one* FCIC infraction). All speeding tickets from 1 km over to 49 km over are rated the same. Points have nothing to do with insurance and are not used for determining your rate.

Bringing your insurance slip does not guarantee that the FCIC charge will be dropped. You are required to have proof of insurance with you when you operate a vehicle. It does not matter if the vehicle is borrowed or if it is your own. Your responsibility as the operator of the vehicle is to ensure that all relevant documents are present before you set off. The offence isn't "hey we think you might not have insurance" the offence is "you do not have valid proof of insurance with you when you were stopped". Providing a slip after the fact does not alter the reality that no valid proof was given at the time of the stop.


Very well put, that's the point I was trying to make...it is his responsibility to make sure there is an insurance slip.


10 over really? what a dick cop lol, everyone goes over 10 all the time.. anyways, fight both tickets.
you dont want your insurance to go up coz of those tickets.

What a nice cop, for dropping a 16km/h speeding ticket with 3 demerit points down to a 10km/h speeding ticket with no points!




He was going 66km/h in a 50km/h zone which he thought was a 60. Don't get all up on your high horse about that amount of speeding being such a horrible crime. Yes it's a mistake, surely not the worst one a teenage driver has ever made, let alone most of us experienced drivers.

Secondly, he was quite clear it was a borrowed car, which most people assume has an insurance slip in it. Again, don't say "speeding without proof of insurance" and insinuate he's such a horrible driver because of these circumstances. I can't say what type of driver he is, but I also don't want to see someone pigeonholed because of a certain set of circumstances.

Seriously, you'd think we were in the midst of winter here how quickly panties have been bunched. I will leave this open but let's everyone put on their big-boy pants and act like gentlemen, eh?

He was still speeding though...he admitted to it...why does he then deserve not to get a speeding ticket? Not knowing what the speed limit was is no excuse for speeding. Also, in all honesty you're right that 66km/h is not that fast for a 50km/h zone...so let's speculate, why was he pulled over? Was he going with the flow of traffic or was he faster than everyone else? Did he drive aggressively in some way? Was he not paying attention? Odds are he did something more than just speeding that drew attention to him and lets face it, the guy came on here looking for sympathy so odds are he left out some little details to make him appear innocent so everyone would say "poor you".

Second point about insurance, as stated above, it his still his responsibility.


Clearly you don't know the situation, i never drive my mom's vehicle because i had MY own vehicle with FULL insurance and no accident or tickets before this crap. She always had her insurance in her purse and never thought someone else would drive her vehicle. Now i got someguy legit someguy telling me im clogging up the system?? I thought the speed limit was 60 because it is 60 on the whole road except that one spot, no sighs saying its a 50 and i was doing 66km/h. lmfaooo buddy you need to get some help, Also there is a reason why you are not a judge because you don't have the brain to do it.

The situation is clear: YOU sped and YOU didn't have proof of insurance, you got ticketed as such. These are things YOU did, of no fault of anyone else but yourself. You absolutely deserve the tickets, be thankful the cop dropped it to no points, chalk it up as a learning experience and move on.

[Dave_The_BMXER]

Ehhhh I get your point clogging up the courts etc, etc. But that's a very expensive learning experience if he doesn't exercise his right to challenge.

[74sickness]

Very well put, that's the point I was trying to make...it is his responsibility to make sure there is an insurance slip.



What a nice cop, for dropping a 16km/h speeding ticket with 3 demerit points down to a 10km/h speeding ticket with no points!



He was still speeding though...he admitted to it...why does he then deserve not to get a speeding ticket? Not knowing what the speed limit was is no excuse for speeding. Also, in all honesty you're right that 66km/h is not that fast for a 50km/h zone...so let's speculate, why was he pulled over? Was he going with the flow of traffic or was he faster than everyone else? Did he drive aggressively in some way? Was he not paying attention? Odds are he did something more than just speeding that drew attention to him and lets face it, the guy came on here looking for sympathy so odds are he left out some little details to make him appear innocent so everyone would say "poor you".

Second point about insurance, as stated above, it his still his responsibility.



The situation is clear: YOU sped and YOU didn't have proof of insurance, you got ticketed as such. These are things YOU did, of no fault of anyone else but yourself. You absolutely deserve the tickets, be thankful the cop dropped it to no points, chalk it up as a learning experience and move on.
Why would I do that? Because you said so? I know I can win one which is the insurance one so I'm going to fight that. I just think you personally like giving the government money, but that's none of my business

[Jenuine]

Go schedule an early resolution meeting with the prosecutor for the insurance slip ticket and show you had valid insurance. The prosecutor will drop that ticket on the spot. It's happened to me before. You don't want to show up to trial with both tickets because they'll offer you a deal and say "plead guilty to the speeding ticket and we'll drop the insurance one".

Then schedule a trial for the speeding ticket. It's easy to get out of it if you know what you're doing. You just have to play the system. Request disclosure after you get your trial date. You may get off on the ticket based on disclosure alone if the cop didn't properly record his evidence. Based on what the disclosure says, you can either proceed with trial - the cop might not even be there that day and you'll win... And if the cop is there, you can poke holes in the cop's credibility if his evidence is sh*tty... Or if the cop does show up and the evidence is solid, ask to reschedule the trial because you're in over your head. This works a lot of the time because cops have ALL of their trials scheduled at the same time. If you reschedule, it will be an inconvenience for them and will most likely conflict with their schedule so the chances of them showing up a second time for just one minor speeding ticket is small.

There's also a lot you can do with speeding tickets when requesting disclosure... like requesting calibration records, radar manual, etc. (if you were caught by radar) that increases your chances of winning. They're extremely bad at sending calibration records and manuals. If that happens, you go to court and say that they didn't properly give you disclosure and ask for the trial to be rescheduled, the delay will be because of them and not you, therefore increasing your chances of an 11b argument.

Ignore SomeGuy (he's a pretty miserable person and does this on tm3 on the regular) and follow these steps.

[CloudPump]

Why would I do that? Because you said so? I know I can win one which is the insurance one so I'm going to fight that. I just think you personally like giving the government money, but that's none of my business

What makes you think you can win that?

Did you have the slip in the car and the officer refused to look at it/believe you have it?

As previously stated: The offence is not having a valid slip at the time of the stop. Having a valid slip somewhere else and being able to show it later still doesn't change the fact that it wasn't there at the time. This is the equivalent of being pulled over for drunk driving and then showing up at the police station later after you've sobered up and saying "see! I'm not drunk now!"

In reality, what will happen if you fight these is the prosecutor will offer you a deal: Plead to the speeding ticket and he'll dismiss the FCIC.

-Geoff

[74sickness]

Go schedule an early resolution meeting with the prosecutor for the insurance slip ticket and show you had valid insurance. The prosecutor will drop that ticket on the spot. It's happened to me before. You don't want to show up to trial with both tickets because they'll offer you a deal and say "plead guilty to the speeding ticket and we'll drop the insurance one".

Then schedule a trial for the speeding ticket. It's easy to get out of it if you know what you're doing. You just have to play the system. Request disclosure after you get your trial date. You may get off on the ticket based on disclosure alone if the cop didn't properly record his evidence. Based on what the disclosure says, you can either proceed with trial - the cop might not even be there that day and you'll win... And if the cop is there, you can poke holes in the cop's credibility if his evidence is sh*tty... Or if the cop does show up and the evidence is solid, ask to reschedule the trial because you're in over your head. This works a lot of the time because cops have ALL of their trials scheduled at the same time. If you reschedule, it will be an inconvenience for them and will most likely conflict with their schedule so the chances of them showing up a second time for just one minor speeding ticket is small.

There's also a lot you can do with speeding tickets when requesting disclosure... like requesting calibration records, radar manual, etc. (if you were caught by radar) that increases your chances of winning. They're extremely bad at sending calibration records and manuals. If that happens, you go to court and say that they didn't properly give you disclosure and ask for the trial to be rescheduled, the delay will be because of them and not you, therefore increasing your chances of an 11b argument.

Ignore SomeGuy (he's a pretty miserable person and does this on tm3 on the regular) and follow these steps.
That's great help thank you very much, I'm not to worries about someguy I can see his parents never loved him lol.

[SomeGuy]

Why would I do that? Because you said so? I know I can win one which is the insurance one so I'm going to fight that. I just think you personally like giving the government money, but that's none of my business


Ehhhh I get your point clogging up the courts etc, etc. But that's a very expensive learning experience if he doesn't exercise his right to challenge.

Right to challenge what? He has already admitted he did both. Also neither of the offenses are really based on the officers judgement (assuming he used radar to capture the speed). The right to challenge should be used when he was wrongly accused (he wasn't actually speeding, he actually did have proof of insurance). Why can't he just own up for his mistakes? This is what's wrong with the world today, nobody takes responsibility for their actions!

And for the record I have gotten a couple speeding tickets in my life, I was speeding, I paid up and moved on with my life...nothing more.

[m_bisson]

Right to challenge what? He has already admitted he did both. Also neither of the offenses are really based on the officers judgement (assuming he used radar to capture the speed). The right to challenge should be used when he was wrongly accused (he wasn't actually speeding, he actually did have proof of insurance). Why can't he just own up for his mistakes? This is what's wrong with the world today, nobody takes responsibility for their actions!

And for the record I have gotten a couple speeding tickets in my life, I was speeding, I paid up and moved on with my life...nothing more.

I agree with Mr. Sourpuss.

You already had the ticket reduced at the scene. Pay it and move on.

[74sickness]

If my insurance wouldn't go up by 4k a year just for these minor offences then I would, but this will kill my insurance so it's worth fighting to me and maybe not worth fighting for you.

[Aitch]

He was still speeding though...he admitted to it...why does he then deserve not to get a speeding ticket? Not knowing what the speed limit was is no excuse for speeding. Also, in all honesty you're right that 66km/h is not that fast for a 50km/h zone...so let's speculate, why was he pulled over? Was he going with the flow of traffic or was he faster than everyone else? Did he drive aggressively in some way? Was he not paying attention? Odds are he did something more than just speeding that drew attention to him and lets face it, the guy came on here looking for sympathy so odds are he left out some little details to make him appear innocent so everyone would say "poor you".

Second point about insurance, as stated above, it his still his responsibility.

The situation is clear: YOU sped and YOU didn't have proof of insurance, you got ticketed as such. These are things YOU did, of no fault of anyone else but yourself. You absolutely deserve the tickets, be thankful the cop dropped it to no points, chalk it up as a learning experience and move on.

I haven't stated he didn't deserve to get either ticket, I don't think anyone has. However the right to challenge it exists, and he's well within his rights to try his luck at getting things reduced, and given the financial pain just accepting the tickets is likely to bring, it's not just about chalking it up as a learning experience.

To your other point, I was fairly clear that we shouldn't be speculating on the circumstances, or jumping all over a guy for asking for advice. And since people on both sides seem incapable of staying civil, I'll have to leave this thread closed.