Generally, no. Insurance companies do not look at points but rather the “degree” of the ticket. Tickets are classified into Minor, Major, or Serious. A minor may be speeding up to 49 km/h, and serious may be a careless driving conviction. Continue reading “Do points affect my car insurance?” »
This is for Canadian drivers, but could apply to young drivers in general, especially elsewhere in North America.
First, get a Drivers Training Certificate. This will start you off with a better Driving Record. (For example DR3 instead of DR1). This translates into a better rate. Second, shop, shop, shop, and keep going. Just because one company has quoted you a high rate doesn’t mean that’s “the rate”. Continue reading “I am a young driver. How can I get a lower rate?” »
-This answer cites systems and concepts in use in Ontario, Canada, but what’s below can apply to other Jurisdictions / countries and so on – and may be useful general insurance information.
First, in Ontario, the rating rules filed by Insurance companies vary greatly. Provincial guidelines divide all tickets into Minor, Major, and Serious. Continue reading “Will a Minor Speeding Traffic Ticket I got affect my Insurance?” »
If you are in Ontario, Canada, you car insurance policy can get canceled for non-payment of premium (also called “Non-Payment Cancellation”) if you have 2 NSFs (“Bounced Payments”, or “Non Sufficient Funds”) during one term (not to be confused with a Calendar Year, as most policies don’t start on January 1st). You are a candidate for cancellation with most companies if your payment bounces more than once a year. Continue reading “My car policy is being cancelled for Non-payment. What should I do?” »
Here’s the List of what you should and should not do (in an accident where there are no serious injuries):
1. Try to remain calm at the scene. Chances are both or more parties to the accident love their car. Don’t act emotionally. Most damage can be repaired and your insurance can take care of replacement, repair, compensation, or a write-off. Continue reading “What should I do if I’m in a car accident?” »
