Speeding Ticket - Advice?

[Raxor]

Long story short, i was headed to school (Humber North) this morning and got caught going 92 km/h in a 60 km/h zone.

I noticed that the lights were gonna turn yellow from the counter and sped up to avoid the red light. (Trying to catch the 9:55 shuttle)

I was literally 50 meters away from where I park and take a shuttle bus to the campus and got pulled over in front of the lot.

Just my luck...

The cop takes my license, insurance, ownership (the usual) and asks if I wanted to see the radar gun. At this point I was like f**k.

I look at the radar gun and it shows that he claimed which was 92 / 60.

This is my first speeding ticket so I'm seeking advice on what to do next.

http://i1376.photobucket.com/albums/ah14/Harkirat_Aulakh/2016-01-15%2010.12.08_zpss2dlsqkl.jpg[/URL]

[SonicBoy]

Wow! That's a chunk of change for a fine.

If you know that you were indeed speeding, accept the ticket, pay it and then lessons learned for the future.

I'm not trying to be a dick just my opinion to accept the responsibility and learn not to do it again in the future. You'll have the next 2 years until that comes off your record so drive like you have an egg under your gas pedal as I'm sure your insurance will go up.

[Shizuka_Osamu]

i agree with above except i wouldnt just pay it outright.i would plead the case with the justice of the peace first to try to reduce the fine.

[Canadianbacon]

Obviously don't pay for it, I wouldn't take ^^ advice, Seek early resolution speak to a prosecutor explain you where going to school and this is your first ticket, I'm 95% sure it will be reduced to 15km/h under and no points. Or take it to court delay it hope officer doesn't show up if not just explain your situation to the judge. Several years ago I was caught going 88 in a 60km zone, I delayed it long as possible in the end ticket cost me $30 no points and 15 under limit I had 6 months to pay lol. That was my first and only ticket! Good luck, this is nothing to stress over.

[natspriceless]

Mention that you pay tuition and that financially you are not in the best spot....I had a really nice prosecutor a few years back that gave me that advice.

[Kiyomi]

its not so much the fine now that will bite you, its the insurance hike on next years policy. when I was 19, i got a 15 over, paid it, and the next insurance policy went up $1600 per year just because of that ticket and my age. So, it might be worth it to get a lawyer, in the very least fight it yourself, as it will delay the ticket from being on your record, and will still save you money on insurance as the infraction date does not move.

fyi- I hired x-coppers recently, got me off unsafe vehicle, excessive noise muffler, and balding tires, and got the smallest infraction possible (obstructed windshield). they give free advice as well on first visit.

[CloudPump]

Wow! That's a chunk of change for a fine.

If you know that you were indeed speeding, accept the ticket, pay it and then lessons learned for the future.

I'm not trying to be a dick just my opinion to accept the responsibility and learn not to do it again in the future. You'll have the next 2 years until that comes off your record so drive like you have an egg under your gas pedal as I'm sure your insurance will go up.

Three years on your record.

-Geoff

[soccerboy1491]

Be ready for a massive insurance jump if you decide to just pay it.

[loki]

the reason why fines are not just a few bucks is because they are meant to be a deterrent

It's a form of punishment not a pat on the back

[Raxor]

Does anyone know if the insurance rate will go up immediately or take effect after the next renewal?

[CloudPump]

its not so much the fine now that will bite you, its the insurance hike on next years policy. when I was 19, i got a 15 over, paid it, and the next insurance policy went up $1600 per year just because of that ticket and my age. So, it might be worth it to get a lawyer, in the very least fight it yourself, as it will delay the ticket from being on your record, and will still save you money on insurance as the infraction date does not move.

fyi- I hired x-coppers recently, got me off unsafe vehicle, excessive noise muffler, and balding tires, and got the smallest infraction possible (obstructed windshield). they give free advice as well on first visit.

Also wrong.

Tickets are rated from conviction date, not offence date. Delaying a ticket in court does not push it off your record sooner.

-Geoff

[CloudPump]

Does anyone know if the insurance rate will go up immediately or take effect after the next renewal?

Renewal.

-Geoff

[Kiyomi]

Also wrong.

Tickets are rated from conviction date, not offence date. Delaying a ticket in court does not push it off your record sooner.

-Geoff

edit: maybe i misinterpreted the xcopper lawyer.

[CloudPump]

thats not what xcopper told me.

X-Copper says a lot of things that aren't true.

Like:

"We'll make sure to get this reduced so you don't get any points, which will save you money on insurance" - lie.

"We win or it's free" - lie (their contracts stipulate that reducing a charge is the same as a win. Reducing a charge still gets you convicted).

This is what I do for a living, 5 days a week.
Conviction date matters. Offence date does not.

-Geoff

[SomeGuy]

As I usually say, suck it up and pay. You broke the law, there are penalties, it's your own fault you sped and you admit to speeding up to make a light which is bad too.

Stop wasting everyone's time in the courts trying to fight something that you actually did wrong.

[Raxor]

As I usually say, suck it up and pay. You broke the law, there are penalties, it's your own fault you sped and you admit to speeding up to make a light which is bad too.

Stop wasting everyone's time in the courts trying to fight something that you actually did wrong.

While i agree I broke the law by speeding - any and all chances I have to get rid of or reduce my fine/penalty I'll gladly look into. Would be stupid not to.

[SomeGuy]

While i agree I broke the law by speeding - any and all chances I have to get rid of or reduce my fine/penalty I'll gladly look into. Would be stupid not to.

What's stupid is thinking that you don't deserve to pay the penalties for breaking the law.

"I only murdered him a little bit, can you give me a slap on the wrist instead of buttsex?"

[SirWanker]

While i agree I broke the law by speeding - any and all chances I have to get rid of or reduce my fine/penalty I'll gladly look into. Would be stupid not to.

Be thankful the fine is not structured after Finland's ( determined by the offender's income)....then again, if ye be a starving student....

[Kiewan]

"I only murdered him a little bit, can you give me a slap on the wrist instead of buttsex?"

Wow. I'm going to slow down tonight.....

Pay it - I'm saying that from the standpoint of a person sharing the road with someone who potentially broke 90kph in a 60 zone....

[Jenuine]

What's stupid is thinking that you don't deserve to pay the penalties for breaking the law.

"I only murdered him a little bit, can you give me a slap on the wrist instead of buttsex?"

Are you really comparing speeding to murder?

If you have no helpful advice to give, why don't you just refrain from saying anything at all?

He has a right to consider fighting the ticket if he wants to and it WOULD be stupid if he didn't considering his age and location, his rates would go through the roof.

Raxor, schedule a trial date first. Look elsewhere for helpful tips/advice because clearly you can't get it here.

[SomeGuy]

Are you really comparing speeding to murder?

If you have no helpful advice to give, why don't you just refrain from saying anything at all?

He has a right to consider fighting the ticket if he wants to and it WOULD be stupid if he didn't considering his age and location, his rates would go through the roof.

Raxor, schedule a trial date first. Look elsewhere for helpful tips/advice because clearly you can't get it here.

Please explain to me why he is not guilty of the offence, did not break the law, and should not have to pay the fine as defined by Ontario law?

[Jenuine]

Please explain to me why he is not guilty of the offence, did not break the law, and should not have to pay the fine as defined by Ontario law?

I don't care if he's guilty or not. He has a right to contest the charge because pleading guilty and paying the fine will affect him for the next 3 years. Why do you care if he wants to exercise his right to a trial or see if it'll get reduced? How does that affect you in any way? LOL

Your self-righteous attitude is so annoying. Everybody makes mistakes and whenever they come on TM3 for advice, you always chime in with how perfect you are because you'd willingly pay the fine outright. Except, you fail to see that just because you'd do it, it doesn't mean everybody HAS to do it as well.

If you don't want to help someone fight a speeding ticket, then don't. You can simply just not say anything.

[m_bisson]

I don't care if he's guilty or not. He has a right to contest the charge because pleading guilty and paying the fine will affect him for the next 3 years. Why do you care if he wants to exercise his right to a trial or see if it'll get reduced? How does that affect you in any way? LOL

Your self-righteous attitude is so annoying. Everybody makes mistakes and whenever they come on TM3 for advice, you always chime in with how perfect you are because you'd willingly pay the fine outright. Except, you fail to see that just because you'd do it, it doesn't mean everybody HAS to do it as well.

If you don't want to help someone fight a speeding ticket, then don't. You can simply just not say anything.

What kind of parents do you have that tell you "it's okay if you do something wrong because you can argue that you didn't"?

Doesn't anyone here, other than SomeGuy, have a fricken conscience?

Sure, maybe you have a legal "right" to a trial, but morally and ethically he has the opposite duty: pay for his actions.

[SomeGuy]

I don't care if he's guilty or not. He has a right to contest the charge because pleading guilty and paying the fine will affect him for the next 3 years. Why do you care if he wants to exercise his right to a trial or see if it'll get reduced? How does that affect you in any way? LOL

Your self-righteous attitude is so annoying. Everybody makes mistakes and whenever they come on TM3 for advice, you always chime in with how perfect you are because you'd willingly pay the fine outright. Except, you fail to see that just because you'd do it, it doesn't mean everybody HAS to do it as well.

If you don't want to help someone fight a speeding ticket, then don't. You can simply just not say anything.

You don't care about our laws either? He's got a right to contest the charge because the punishment for breaking the law will affect his life (uh duh)? :facepalm I hope you use that argument the next time you're caught and go plead your case because you'd be laughed right out of there.

Why waste the resources of our legal system on frivolous cases? It affects the ability of those who actually have legitimate issues from getting the justice they deserve.

Your self-entitled attitude is so annoying.

I have been caught and fined for speeding twice, I did right, cursed a few times, pled guilty, paid and moved on with my life.

[Jenuine]

What kind of parents do you have that tell you "it's okay if you do something wrong because you can argue that you didn't"?

Doesn't anyone here, other than SomeGuy, have a fricken conscience?

Sure, maybe you have a legal "right" to a trial, but morally and ethically he has the opposite duty: pay for his actions.

How the **** do my parents come into this? I can always count on you to jump in and make the most stupid ****ing comments, even though I'm not talking to you. Smfh

The analogies and comments you two make are so ridiculous. Who cares if he's guilty or not, that's not the point, he's admitted guilt. It's the long term financial impact that makes it worth fighting, guilty or not.

Get off your ****ing high horse. Whether or not he fights his minor speeding ticket doesn't affect you. Only on this forum do people constantly feel that they have the right to tell people what to do and get visibly upset at other peoples' decisions. Do you not have anything more imporant going on in your lives than to sit here and get mad that he wants to fight his speeding ticket?

[Jenuine]

You don't care about our laws either? He's got a right to contest the charge because the punishment for breaking the law will affect his life (uh duh)? :facepalm I hope you use that argument the next time you're caught and go plead your case because you'd be laughed right out of there.

Why waste the resources of our legal system on frivolous cases? It affects the ability of those who actually have legitimate issues from getting the justice they deserve.

Your self-entitled attitude is so annoying.

I have been caught and fined for speeding twice, I did right, cursed a few times, pled guilty, paid and moved on with my life.

Again, other people fighting their tickets doesn't affect you. If you want to plead guilty and pay for your tickets then go ahead. I've gotten tickets before and fought them and won, and I'll keep doing it. Yes, SomeMiserable**** on the Internet says I should plead guilty and pay for it but I don't give a **** what he thinks.

[loki]

For all the people talking about who cares, there's a lot of caring going on in this thread

Carry on

[SomeGuy]

LoL someone's worked up :P

[Kiewan]

Doesn't anyone here, other than SomeGuy, have a fricken conscience?

Sure, maybe you have a legal "right" to a trial, but morally and ethically he has the opposite duty: pay for his actions.

Agree with this

I personally believe that tickets should be contested when they are wrong/mistake/unfair/undue influence/duress/misrepresentation/cop on a power trip.

Contesting a ticket to lessen the monetary/points impact bugs me.

That being said, the route I would do take would be to plead guilty. They will most likely recognize that you're owning up and lessen the offense.

[Kiyomi]

:pop

I just got home. how the f did this thread go to shite in less than a day?

[m_bisson]

:pop

I just got home. how the f did this thread go to shite in less than a day?

I Jenuinely don't know.

[credential23]

Don't Pay it! FIGHT IT! ALWAYS ALWAYS take it to court if you have time.

http://www.ticketcombat.com/step1/step1.php
Read this.

NOBODY IS PERFECT! Everyone makes mistake.
It's easy to tell him that he should pay it and own up his mistake but have you been actually in his shoes?
He came here for advice. Don't preach about self righteousness!

[Jenuine]

L O L

These threads always go to shit because like clockwork, whenever someone comes on TM3, asking for advice on how to proceed after a ticket, dumb and dumber come in, attack the OP, call them stupid, say they have no conscience, say their parents didn't raise them properly because they want to fight a minor ticket... that's why. It's unnecessary. It's a ****ing speeding ticket, not murder.

You don't know the OP's situation. What if he's struggling financially, needs his car to go to school/work but made one mistake, and now his insurance rates could increase by $100/month, which he won't be able to afford? FINANCIALLY speaking, it's always smart to fight your tickets. There's always a chance it could get thrown out. Stop overreacting like some high school girls, no need to be drama queens over a minor ticket... which isn't even yours and doesn't affect you lol.

And m_bisson, if it wasn't obvious enough, I don't ever engage you or talk to you because I don't like you. So if you could keep your annoying self from replying to me when I don't address you, that'd be great, thanks. You like to make stupid ****ing comments then PM me and apologize privately and I just really hate people like you lol.

[m_bisson]

Well, the OP wanted advice. It says so in the title of the thread.

He's been told to fight it. He's also been to told to just pay it and learn his lesson. Nobody's mentioned that he could flee the country and hide from the authorities, so I don't actually see any BAD advice being given.

Sorry if you don't like me. But not sorry for getting you all riled up, because it's pretty hilarious. Have a nice day.

[Kiewan]

Don't Pay it! FIGHT IT! ALWAYS ALWAYS take it to court if you have time.

http://www.ticketcombat.com/step1/step1.php
Read this.

NOBODY IS PERFECT! Everyone makes mistake.
It's easy to tell him that he should pay it and own up his mistake but have you been actually in his shoes?
He came here for advice. Don't preach about self righteousness!

Yes. I was Caught speeding on the bloor bridge.... In a mazda protege LOL. I Paid it, it impacted my Insurance Until last year. I was a student with a VERY FIXED income, it hurt financially. The cop lowered the ticket to 20 over as it was my first and only offence.

I learned from it and it was a wake up call. I effectively stopped driving like a D*** that night.

There are consequences for speeding. Own up, plead guilty, they might lower it. Learn from mistakes. Don't let yourself get into the same situation again.

Just my 2 cents :.02

[credential23]

Yes. I was Caught speeding on the bloor bridge.... In a mazda protege LOL. I Paid it, it impacted my Insurance Until last year. I was a student with a VERY FIXED income, it hurt financially. The cop lowered the ticket to 20 over as it was my first and only offence.

I learned from it and it was a wake up call. I effectively stopped driving like a D*** that night.

There are consequences for speeding. Own up, plead guilty, they might lower it. Learn from mistakes. Don't let yourself get into the same situation again.

Just my 2 cents :.02

Good for you Sir.
But paying it right away is not a good choice if ur struggling financially. You couldve have went to court and theyre gonna give you a plea bargain(lowering the fine even more) before you plead guilty and pay the fine. Theres also a 50/50 chance the police wouldnt be there.
OPTION 3 is ALWAYS a WINWIN scenario.

[Kiewan]

Good for you Sir.
But paying it right away is not a good choice if ur struggling financially. You couldve have went to court and theyre gonna give you a plea bargain(lowering the fine even more) before you plead guilty and pay the fine. Theres also a 50/50 chance the police wouldnt be there.
OPTION 3 is ALWAYS a WINWIN scenario.

I didn't know about any of the process when I was younger. If I did, I would have pleaded.

[Hyperion]

http://i.imgur.com/1VzbssG.gif

[Raxor]

Didn't want this thread to end up like this. I was simply looking for ADVICE on what to do.

Yes, I was speeding.
Yes, I got caught.
Yes, I understand the consequences.

Like Jenuine said, financially this will hurt as I am still in school.

With that being said, if theres a chance that its thrown away, reduced, or even forgiven, looking at it from a financial stand point it would be in your best interest to take your chances.

With the many threads created for speeding in the past, I could of just not posted this at all.

But, considering it's my first offence behind the wheel, I was simply seeking advice on how to proceed.

I've taken all your comments into consideration, but its obvious that I will fight the ticket and take my chances.

Thanks.

[Raxor]

Lets say it gets reduced to 15 over with 0 points

This being my first offence, anyone got an idea of how much of an insurance increase I can except?

-Belairdirect insurance
-18 years old
-Mississauga
-No prior offences
-Previous good student discount (honours)

[crasth]

Why people bring moral into a speeding ticket? So because he is guilty of speeding he shouldnt take it to court and attempt getting a reduction? U obviously say "plead guilty and pay" because its not your money or demerit points....fight it

[Kiyomi]

Lets say it gets reduced to 15 over with 0 points

This being my first offence, anyone got an idea of how much of an insurance increase I can except?

-Belairdirect insurance
-18 years old
-Mississauga
-No prior offences
-Previous good student discount (honours)

15 over no points.
-belair direct
-markham
-19yrs old
-G license
-no priors
-$1600 increase.

[SomeGuy]

Why people bring moral into a speeding ticket? So because he is guilty of speeding he shouldnt take it to court and attempt getting a reduction? U obviously say "plead guilty and pay" because its not your money or demerit points....fight it

Why should he fight something he's guilty of? Why can't he take responsibility and accept the consequences of his actions? Why do people these days think they can do whatever the hell they want and then not be accountable?

[m_bisson]

If he can't afford to drive like an idiot, he shouldn't be driving like an idiot.

Edit: To put it in perspective, the "stunt driving" law applies if you go more than 50 km/h over the speed limit. On the 401, that would mean going 150 when the speed limit is 100, or 50% faster than the speed limit.
Raxor was doing 92 in a 60, which is more than 50% over the speed limit. I honestly wish they would change the law so it applies to situations like his. Going 90 in a 60 is just as dangerous (if not more so) as driving 150 in a 100.

For places like school zones, with a limit of 40, this would probably completely eliminate people zipping through at 60 or more.

[Slade]

I'm only here to find out if you will made the shuttle?

[Jackal]

Didn't want this thread to end up like this. I was simply looking for ADVICE on what to do.

Yes, I was speeding.
Yes, I got caught.
Yes, I understand the consequences.

Like Jenuine said, financially this will hurt as I am still in school.

With that being said, if theres a chance that its thrown away, reduced, or even forgiven, looking at it from a financial stand point it would be in your best interest to take your chances.

With the many threads created for speeding in the past, I could of just not posted this at all.

But, considering it's my first offence behind the wheel, I was simply seeking advice on how to proceed.

I've taken all your comments into consideration, but its obvious that I will fight the ticket and take my chances.

Thanks.

This seems like the best route.

1) you were guilty of the offence and therefore you will probably pay something to the municipality which is supposed to teach you a lesson. You can try to reduce this but you will still get burned which is what should happen.

2) this will affect your insurance for 3 years and increase your rates. You will be out $1600 for three years. Maybe more.

I believe that #1 should happen to deter people but the dramatic rate increase is something that many people have accepted for too long (until it happens to them.) #2 is the reason to fight this ticket.

Time to shut this thread down. OP has decided his course of action.

[m_bisson]

This seems like the best route.

1) you were guilty of the offence and therefore you will probably pay something to the municipality which is supposed to teach you a lesson. You can try to reduce this but you will still get burned which is what should happen.

2) this will affect your insurance for 3 years and increase your rates. You will be out $1600 for three years. Maybe more.

I believe that #1 should happen to deter people but the dramatic rate increase is something that many people have accepted for too long (until it happens to them.) #2 is the reason to fight this ticket.

Time to shut this thread down. OP has decided his course of action.

Insurance doesn't care if he was going 5 over or 49 over, it's going to affect him the same.

The ONLY way to prevent the insurance hit would be to have the ticket thrown out entirely. Odds of that happening are very slim.

[Jackal]

Insurance doesn't care if he was going 5 over or 49 over, it's going to affect him the same.

The ONLY way to prevent the insurance hit would be to have the ticket thrown out entirely. Odds of that happening are very slim.

Provide links as proof of this of how insurance doesn't care if he was going 5 over or 49 over. It's going to affect him the same.

[m_bisson]

Provide links as proof of this of how insurance doesn't care if he was going 5 over or 49 over. It's going to affect him the same.
CloudPump

[loki]

I think the insurance companies have some discretion as to whether or not your rates are raised.

I've had 3 speeding tickets and none ever raised my rates.

Edit: the first was for 30 over and it was thrown out. Cop felt sorry for me and "lost the information" which is what the court told me.

The other 2 were both for 10kph over and I paid both the same day

[Raxor]

I'm only here to find out if you will made the shuttle?

I missed the 10:00, and 10:15 shuttle

Ended up taking the 10:30 shuttle and I was very late for my first class of the day.

[midnightfxgt]

Take a lot of these posts with a grain of salt.

A minor conviction will not necessarily raise your rate at all. Some companies have forgiveness built in. Some don't.

Everyone is quick to scream to fight it.... but I think many dont think about it fully. Lets assume they drop you from 32 over to 15 over. You still have a minor conviction (same impact on insurance). Sure, the fine amount is decreased. But you had to maybe take a day off work, or half day... gas money etc etc. For what? the possibility of a $150 tops? If a small financial gain is worth the hassle, then fight it, or at least go see the JP, and hope for a small reduction.

If there is a single person I'd listen to in this thread, its CloudPump

-John

[Daylindafung]

Long story short, i was headed to school (Humber North) this morning and got caught going 92 km/h in a 60 km/h zone.

I noticed that the lights were gonna turn yellow from the counter and sped up to avoid the red light. (Trying to catch the 9:55 shuttle)

I was literally 50 meters away from where I park and take a shuttle bus to the campus and got pulled over in front of the lot.

Just my luck...

The cop takes my license, insurance, ownership (the usual) and asks if I wanted to see the radar gun. At this point I was like f**k.

I look at the radar gun and it shows that he claimed which was 92 / 60.

This is my first speeding ticket so I'm seeking advice on what to do next.

http://i1376.photobucket.com/albums/ah14/Harkirat_Aulakh/2016-01-15%2010.12.08_zpss2dlsqkl.jpg[/URL]

Did you have a dash cam or recording of the convo when he pulled you over? Cause When i got pulled over and caught red handed, i went back to my dash cam and the cop actually screw up when i asked him where he caught me speeding. he replied "uhh, I guess back on young street". So i took the video and audio recording to court and claimed that he said the word "i guess" which meant he wasn't sure. So end of the day, I won LOL

[0593_troy]

i got my first speeding ticket for going 15 over on my bike back in September and my insurance rate sky rocket for the car and not even for the bike but both are insured with different companies -_- bullshit.

[0593_troy]

they raised my insurance cause of a ticket back a couple months ago on my bike belairdirect is insane for raising rates on first timers

[0593_troy]

always try and fight it if you can or have the time to, I wish i have done in my situation.

[CloudPump]

Lets say it gets reduced to 15 over with 0 points

This being my first offence, anyone got an idea of how much of an insurance increase I can except?

-Belairdirect insurance
-18 years old
-Mississauga
-No prior offences
-Previous good student discount (honours)

Points don't matter. They have nothing to do with insurance.

If it gets reduced to 15 over, it will affect your insurance *exactly* the same as if it is not reduced.

All speeding infractions from 1km/h over to 49km/h over are the same in terms of insurance impact.

-Geoff

[Neilson]

FIGHT ITTTT. seems like your officer was a dick. I was going the EXACT speed in the EXACT zone. 92 in a 60. Officer reduced it to a 10 over since it was my FIRST offence. Most officers would reduce the ticket if its your first offence.

[Raxor]

FIGHT ITTTT. seems like your officer was a dick. I was going the EXACT speed in the EXACT zone. 92 in a 60. Officer reduced it to a 10 over since it was my FIRST offence. Most officers would reduce the ticket if its your first offence.

Yeah I will be fighting it.

[m_bisson]

Yeah I will be fighting it.

Keep us posted. Your experience may help others.

[Jackal]

Ok guys I actually called my Insurance and asked this question. (Main reason was to get the winter tire discount ;))

Here's how it works (at least for my insurance company).

They break it up into 3 sections:

1) Minor - under 50 km per hour
If 25+ then usually no impact on insurance
***If under 25 years old and you are the secondary driver then no impact on rates for first speeding ticket. ***
***If you are under 25 and the principal driver then in this case your rate will increase. ***

2) Major 50 km/h and over

3) Criminal

So Raxor are you the principal or secondary driver?

[Dave_The_BMXER]

Points don't matter. They have nothing to do with insurance.

If it gets reduced to 15 over, it will affect your insurance *exactly* the same as if it is not reduced.

All speeding infractions from 1km/h over to 49km/h over are the same in terms of insurance impact.

-Geoff

Intriguing. In hindsight all the tickets I fought (that didn't get thrown out) as a wreck less youth were a waste of time.

[CloudPump]

Ok guys I actually called my Insurance and asked this question. (Main reason was to get the winter tire discount ;))

Here's how it works (at least for my insurance company).

They break it up into 3 sections:

1) Minor - under 50 km per hour
If 25+ then usually no impact on insurance
***If under 25 years old and you are the secondary driver then no impact on rates for first speeding ticket. ***
***If you are under 25 and the principal driver then in this case your rate will increase. ***

2) Major 50 km/h and over

3) Criminal

So Raxor are you the principal or secondary driver?

The only absolute on this is that less than 50 over is a minor.

Many companies will impact you for a first conviction. Some do not; Examples: Aviva and Economical give a 15% conviction free discount. One conviction will remove this discount (thus a 15% increase).

GCNA does not impact your rates for one conviction.

Pembridge does not offer a conviction free discount, however one minor conviction incurs a 10% surcharge.

There are no all-encompasing rules for age of driver or primary/secondary rules for tickets. This varies company to company.

It is correct that there are three tiers of tickets. Minor, Major and Criminal. All tickets fall into one of these three categories.

-Geoff

[Captain Mazda]

Be thankful the fine is not structured after Finland's ( determined by the offender's income)....then again, if ye be a starving student....

There's a very good reason why people in Finland don't drive like morons.

[riche]

Jackal, which insurance company are you with? I just got a speeding ticket in Oakville today... 90 in a 60 zone, ticket is 75 in a 60 zone. Yes, i know what you're all thinking and yes, I agree I shouldn't have been going that fast. But it was a rural road, I was so sure it was an 80 limit. (not that it excuses my speeding)

Anyway, coincidentally I'm also going to school at Humber North Campus right now, so money is tight. I'm over 25 though, so what are my chances at a premium increase? I'm with Co-operators. I might just pay it, since it's only $60 fine, but if it costs me in premiums, that'll be a problem. I've got a potentially major dental surgery that's gonna cost $$$ and I was going to buy an engagement ring. Any helpful advice on how to keep my overall cost down with this is most appreciated.

[Jackal]

riche I am with StateFarm underwritten by Certas. Again depends on the company whether they will just overlook this ticket if you haven't had one in a while. Also with over 25 my company doesn't check for minors etc. every year. Under 25 they check every year. So your company may be the same. You could call or just wait. There may be no reason to fight it and hope that the officer doesn't show up.

[midnightfxgt]

riche - why not call your company and ask? You'll get the answer quickly and with more certainty than a msg forum.

[CloudPump]

Jackal, which insurance company are you with? I just got a speeding ticket in Oakville today... 90 in a 60 zone, ticket is 75 in a 60 zone. Yes, i know what you're all thinking and yes, I agree I shouldn't have been going that fast. But it was a rural road, I was so sure it was an 80 limit. (not that it excuses my speeding)

Anyway, coincidentally I'm also going to school at Humber North Campus right now, so money is tight. I'm over 25 though, so what are my chances at a premium increase? I'm with Co-operators. I might just pay it, since it's only $60 fine, but if it costs me in premiums, that'll be a problem. I've got a potentially major dental surgery that's gonna cost $$$ and I was going to buy an engagement ring. Any helpful advice on how to keep my overall cost down with this is most appreciated.

Unless you fight it and *win* (read: be found not guilty and pay zero fine) it will go on your record. The amount of speeding (as long as it's 49km/h over or less) does not matter.

-Geoff

[CloudPump]

riche I am with StateFarm underwritten by Certas. Again depends on the company whether they will just overlook this ticket if you haven't had one in a while. Also with over 25 my company doesn't check for minors etc. every year. Under 25 they check every year. So your company may be the same. You could call or just wait. There may be no reason to fight it and hope that the officer doesn't show up.

No.

No insurance company pulls reports for all people under 25 every year.

Insurance companies run an algorithm that uses weighted statistical probabilities to determine whose reports are pulled. Yes, males under 25 are more likely to have their reports pulled, especially in loss-leading territories, but not all sub-25 year old's will have reports pulled. I've seen many under-25 drivers flying under the radar with a number of convictions that they aren't being rated for, simply because their reports aren't being pulled.

-Geoff

[CloudPump]

riche - why not call your company and ask? You'll get the answer quickly and with more certainty than a msg forum.

This could be a disastrous idea.

If this person is insured through a direct writer instead of a broker, calling and asking about a ticket will simply cause a minor conviction to go on his record immediately. The same principle applies for asking a direct writer about accidents.

Yeah, you may save $100 with some direct writers, but you can't ask about certain situations without being penalized for them. The insurance company and its employee's are allowed to assume the worst of you and rate you for things that they thing *may* have happened.

-Geoff

[SomeGuy]

No.

No insurance company pulls reports for all people under 25 every year.

Insurance companies run an algorithm that uses weighted statistical probabilities to determine whose reports are pulled. Yes, males under 25 are more likely to have their reports pulled, especially in loss-leading territories, but not all sub-25 year old's will have reports pulled. I've seen many under-25 drivers flying under the radar with a number of convictions that they aren't being rated for, simply because their reports aren't being pulled.

-Geoff

This. Neither of my two tickets ever actually changed my rates...which is especially true if you don't modify or get a new insurance policy within a couple years of the tickets.

[riche]

This could be a disastrous idea.

If this person is insured through a direct writer instead of a broker, calling and asking about a ticket will simply cause a minor conviction to go on his record immediately. The same principle applies for asking a direct writer about accidents.

Yeah, you may save $100 with some direct writers, but you can't ask about certain situations without being penalized for them. The insurance company and its employee's are allowed to assume the worst of you and rate you for things that they thing *may* have happened.

-Geoff

I'm inclined to agree. I'm under my parent's policy (because it's cheaper), and I'm not really sure if they're going through a broker or not.

I spoke to xCopper (anyone have experience with them?) I know there's no guarantee, they at least told me that. $300+hst for the chance that the ticket is dismissed on a technical error, worst case scenario, my charges stay the same. Opinions? My goal is to keep this as far away from my insurance premiums. I have a ticket that's supposed to clear by this upcoming renewal, I'd rather not replace it with another one.

[midnightfxgt]

This could be a disastrous idea.

If this person is insured through a direct writer instead of a broker, calling and asking about a ticket will simply cause a minor conviction to go on his record immediately. The same principle applies for asking a direct writer about accidents.

Yeah, you may save $100 with some direct writers, but you can't ask about certain situations without being penalized for them. The insurance company and its employee's are allowed to assume the worst of you and rate you for things that they thing *may* have happened.

-Geoff


You can have a rate increase equivalent to an accident or ticket, Without actually being found guilty??? Man, Insurance keeps getting more and more crooked.

I wouldnt have provided my name, simply called and asked their policy on Minor convictions for people they insure.

[Zotaga]

Long story short, i was headed to school (Humber North) this morning and got caught going 92 km/h in a 60 km/h zone.

I noticed that the lights were gonna turn yellow from the counter and sped up to avoid the red light. (Trying to catch the 9:55 shuttle)

I was literally 50 meters away from where I park and take a shuttle bus to the campus and got pulled over in front of the lot.

Just my luck...

The cop takes my license, insurance, ownership (the usual) and asks if I wanted to see the radar gun. At this point I was like f**k.

I look at the radar gun and it shows that he claimed which was 92 / 60.

This is my first speeding ticket so I'm seeking advice on what to do next.

http://i1376.photobucket.com/albums/ah14/Harkirat_Aulakh/2016-01-15%2010.12.08_zpss2dlsqkl.jpg[/URL]

Make a myth out of it. You were doing 90 in a 60 because you were being chased by the husband of a woman that you just had intercourse with. He was out for blood and you wanted none of it so you ran like hell. It's plausible unless you're an ugly mofo.

[Captain Mazda]

Xcopper is a scam.

[Zuluwun]

I'm inclined to agree. I'm under my parent's policy (because it's cheaper), and I'm not really sure if they're going through a broker or not.

I spoke to xCopper (anyone have experience with them?) I know there's no guarantee, they at least told me that. $300+hst for the chance that the ticket is dismissed on a technical error, worst case scenario, my charges stay the same. Opinions? My goal is to keep this as far away from my insurance premiums. I have a ticket that's supposed to clear by this upcoming renewal, I'd rather not replace it with another one.

You could try to push the conviction to after your renewal. I had an infraction date in early March that I pushed to early Nov past my renewal in Sept. All it'll do is defer the insurance hike (if it happens) but if you have major expenses coming up in the near future, it may be worth it.

[S.F.W.]

Interesting and relevant article here - http://www.cbc.ca/news/canada/speeding-tickets-police-radar-testing-1.3415927
"...The finding throws into question the validity of millions of fines, demerit points and higher insurance premiums that result from speeding tickets."