Fighting the speeding ticket can save you money when you factor in how a ticket can affect your insurance.
Is It Worth Fighting a Speeding Ticket?
Is it worth fighting a traffic ticket, the police officer did reduce the ticket…
- Any speeding ticket can affect your insurance,
- The ticket stays on the Ontario driving abstract/record three (3) years.
- Demerit points only go on the driving record after paying or conviction, not while awaiting court
- Insurance companies have access to driving records to base their customers rates upon.
Speeding Ticket Demerit Points
- 0-15 km/h no demerit points
- 16-29 km/h – three (3) demerit points
- 30-49 km/h – four (4) demerits points
- 50 km/h+ – six (6) demerit points and a possible thirty (30) day licence suspension
Speeding Tickets – Novice Drivers
Novice drivers (G1 or G2 drivers) cannot accumulate four or more demerit points or any one speeding ticket or they will receive a thirty (30) licence suspension.
As a novice driver, you should dispute any speeding ticket to:
- save your points,
- avoid a suspension and
- reduce or avoid any insurance implications,
- even just reducing the ticket can help to avoid a licence suspension.
Why You Should Fight Your Speeding Ticket
When you fight a speeding ticket you have a chance of winning, if you pay the ticket it goes to your driving and insurance record for three (3) years.
Insurance companies have access to driving records to base their customers rates upon. If you pay this ticket and then a second ticket occurs then you could be facing dramatic insurance increases.
Speeding Ticket Convictions Can Cost You Money
Insurance companies look at the number of convictions you have received, not demerit points.
Convictions on your driving record are categorized by the insurance as;
- minor, speeding tickets under 49km/h
- major, speeding tickets over 50km/h and
- criminal, criminal charges, like Dangerous Driving
Some companies don’t penalize you for your first speeding ticket but others may raise your rates right away.
When applying for insurance, the difference between applying with a clean driving record and a driving record with one traffic ticket can be as much as a four hundred (400) dollars difference.
For someone with two (2) speeding tickets, the difference may be up to one thousand (1000) dollars.
The Insurance Company has to Find Out First
Insurance rates are not usually affected until the insurance company finds out about the speeding ticket.
So if the driver has just recently received the ticket, if they fight it, they can delay or completely keep the ticket off of their record.
For example; the driver receives a speeding ticket in June and their insurance renews in August. If the driver pays the ticket, the insurance company may increase the rates for their August renewal.
If the driver applies to fight the ticket, the court date will usually not be set until after the August renewal and the insurance company would not learn of the conviction if at all until the following year.
As convictions for speeding tickets are only on a driving record for three (3) years, the driver regardless if they win the ticket or not has saved one year on their insurance.
As court dates can take six to eight months to come to court, this first strategy may save the driver hundreds of dollars.
When the driver fights the speeding ticket and wins, they save the potential insurance increases in the following years.
Guilty or not guilty?
Traffic court is a real court where the court is presided over by a Justice of the Peace.
The police are represented by a prosecutor, who may be lawyer. The police officer must attend for the driver to be convicted of speeding.
Although the police officer has someone helping them, there is no legal assistance for the public.
Drivers who appear in court themselves often wait to see if the officer attends as their only plan for defence, when the officer does appear they are left in a bad position…
Would you like more information about fighting your speeding ticket? Send us an email.