Living in Canada, we have many benefits that people throughout the rest of the world envy. Amongst those things are highly intelligent Police forces with integrity and more than a high school diploma and a football trophy. The purpose of today's post is to assist our finest with two pieces of information, that is often passed along to the driving public from a misinformed officer.
During my career, I can not count the number of times a person has told me, yes, they have a conviction on their driving record. They continue on, "don't worry, it's no points, so it doesn't count." Many clients have repeatedly told me that the Police officer issuing the ticket told them not to worry, it's no points, so it won't affect their insurance. This simply is not true.
Section 6 of The Ontario Application for Automobile Insurance asks for "details of all convictions of the applicant or any listed driver arising from the operation of any automobile in the last 3 years." This is explicitly clear, there is no mention of points. Points or no points, a conviction is a conviction and it does count.
Officers also tell members of the public that an accident was no one's fault, or that it was the road conditions or the weather. Unfortunately, the insurance industry disagrees. An accident is always someone's fault, the vehicles don't drive themselves. Parked cars don't just collide with one another, someone has to drive the vehicle. Likewise, it is incumbent upon the driver of a vehicle to drive it in such a manner that the weather and road conditions are being respected. If the road conditions result in a single vehicle being involved in an accident, it isn't the weather or the road's fault. It is the fault of the person who drove the car into the ditch.
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