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Buckle up – it's not just a lifesaver; it's the law in Ontario. But what happens if you get caught without it and face a seatbelt ticket? Well, the impact on your car insurance isn't always clear-cut. Every company has its own way of handling seatbelt infractions.
Here’s a look at how a seatbelt ticket in the province can increase your coverage costs.
In Ontario, receiving a ticket for not wearing a seatbelt can have implications for your premiums. The impact of this ticket on your premiums may vary depending on your provider and driving history. Getting a ticket can cause you to lose the 5% to 10% clean-driving discount, impacting your finances even if it doesn't raise your premium.
Here are some reasons why you may see an increase:
Drivers in Ontario who don't wear a seatbelt face demerit points. You'll get two points on your driving record, which can lead to license suspension or cancellation if you accumulate too many. These points stay on your record for 2 years. If you get caught again within that time, you'll get more points and penalties. Wearing a seatbelt is crucial for safety. It reduces your risk of serious injury or death in a crash. The demerit point system encourages drivers to buckle up and stay safe on the road.
In Ontario, a seatbelt violation remains on your driving record for three years. However, its impact on your car insurance can extend beyond that, depending on how your insurer evaluates your driving history. If you received demerit points with the ticket, those points stay on your driving record- accumulating too many points within this period can lead to consequences like licence suspension.
Did you know that a clean record and a commitment to safety could lower your premiums? See how much you can save today.
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Digital Content Writer
Kayla-Jane has been a content writer with ThinkInsure since 2020. She creates insurance content for auto, home, and commercial. Kayla-Jane has a diploma in Journalism.
| Categories | Industry NewsAuto |
|---|---|
| Tags | TicketsFAQsAuto Coverage |
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