In some circumstances, it might seem easier to hop into a vehicle and drive without insurance coverage. However, no matter where you are in Canada, this is illegal to do. Driving without insurance coverage in Canada can result in some pretty major consequences for you even if you do not get into an accident. You cannot drive under someone else’s insurance policy without being on the insurance policy yourself. Trying to pretend you’re someone else is also a fraudulent act and can result in fines and a license suspension. In some cases, you can even receive jail time for doing this. Even after reading this, if you are still thinking about driving without insurance in Canada, here are the things that you need to know:

Does Driving without Insurance Increase Car Insurance Premiums?

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Yes, driving without insurance in Canada can increase your insurance premiums. Usually, you will be given a large ticket and it will be put on your driver’s record. In some circumstances, you might even end up losing your license. The minimum ticket issued for driving without insurance is actually a $5000 fine. Seeming as the average insurance cost is much lower than this in Canada, it is definitely not worth it to drive without insurance.

What Are the Consequences of Driving without Car Insurance?

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There are a whole bunch of consequences for driving without car insurance. Should you get into an accident, you will be held liable for the damage. You are also going to have to pay the very large ticket that you’re going to get for driving without insurance coverage. On top of that, you might lose your license and you might be sued by another driver. In addition to all of these things, you’re also going to have a hard time getting a new insurance company. Once it is proven that you have driven without insurance before, insurance companies are not going to want to take the risk of selling insurance to you.

What Happens If I Am Caught Driving without Insurance More Than Once?

Usually, when you are caught driving without insurance more than once, you will definitely lose your license or face a license suspension. On top of that, you can expect to get a much larger ticket. Depending on where you live in Canada, the minimum ticket is usually around $5000. When you are caught driving without insurance more than one time, you can expect to pay much more for a ticket. Although it may not seem fair to be charged this much money, it is not fair to other drivers on the road if you do not have insurance coverage. Should you get into an accident and not be able to afford repairs or to pay for their personal injury, they only have the option of going after you for the money.

What Happens If I Get into an Accident and Don’t Have Insurance?

It is not a good situation to be in when you get into an accident with no car insurance coverage. Usually, when this occurs, your vehicle will be towed. Once your vehicle is towed, you’re likely going to be facing tickets. If you have a license, you are also going to be getting demerit points and possibly a license suspension. Unfortunately, you’re also going to have to take part in determining how much damage was done in the accident. It is likely that you are going to be held liable for the damages that occurred to the other driver.

What Happens If I Fail to Show My Insurance Card?

Failing to provide your insurance card is not nearly as serious as driving without insurance coverage. This usually occurs when the driver has lost or has forgotten their insurance slip at home. When this occurs, the police officer will usually charge the driver with operating a motor vehicle without insurance and failure to surrender an insurance card. When you show up in court for these charges with your insurance slip, the charges should be canceled.

What Happens If I Produce False Insurance?

Producing false insurance is not legal. Whenever you get into an accident, you have to make a statement. Should you make a false statement to the ministry of transportation, you will be charged a penalty. Unfortunately, this penalty is quite major. For a first offense, the penalty is $10,000. Should you have to pay this penalty, you might want to hire a lawyer and attempt to fight it in court, especially, if you had insurance at the time and don’t think that you should have to pay the fine.

Should I Hire a Lawyer to Fight a Ticket?

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The answer to this question really depends on how much it is going to affect your insurance premium. If you have been given a major driving ticket, even if you’re guilty, you might want to hire a lawyer. Hiring a lawyer could help to have the penalties dropped or the fines lowered. Although you might not win the case, it might be worth just the chance of winning to hire a lawyer. Should you decide not to hire a lawyer, you’re going to have to pay the ticket in full and your also going to have to pay for your higher insurance premiums as a result of being given the ticket.

To Conclude

Hopefully, after reading this article, you have realized that it is not worth it to drive without insurance coverage. Insurance is not there just to save you when an accident occurs. Insurance is also there to help repair the damage that is done by your vehicle as well. The more damage that is done when you do not have insurance coverage, the more you are going to be paying out-of-pocket for repairs. In some circumstances, you might even be forced to declare bankruptcy. This can cause you to lose things like your house, savings, and other assets. It is never worth driving without car insurance. It only takes a few minutes to set up an insurance policy and it is definitely worth the cost, time and the effort that it takes to do so.

Resources:

http://www.insurancehunter.ca/blog/consequences-driving-without-car-insurance-canada
http://www.ontariotraffictickets.com/traffic-tickets/no-insurance/