There is no denying the fact that distracted driving is a major problem throughout the country. For example, if you spend any amount of time on the road in Ontario, you’re sure to come across people who are not paying attention to what they’re doing.
With all this in mind, police are cracking down big time. They’re doing whatever it takes to pinpoint distracted drivers, all with the idea of making them pay for their mistake.
On the surface, a distracted driving conviction may not sound like that big of a deal. However, this is different than a more traditional traffic violation, such as speeding or running a red light.
It’s not just the fine you have to pay for a distracted driving violation. You also have to worry about the impact on your auto insurance coverage. Before we get into that, let’s take a look at a few important points:
• Ontario is fining careless drivers who cause death up to $50,000 (CJAD)
• In addition to a large fine, other penalties can include: licence suspension of up to five years, six demerit points, and up to two years in jail
Along with the above, there’s a big change ready to take place on January 1, 2019. A cell phone ticket in Ontario will carry a $1,000 fine and a three-day licence suspension.
Note: visit this page for more information on distracted driving penalties.
In addition to the above penalties, insurance companies are also taking a hardline stance against distracted driving.
If you receive a distracted driving conviction, some insurance company's are now considering it a major conviction.
As if that’s not bad enough, major convictions do not qualify for many insurers and will lead to a non-renewal/cancellation of your policy.
Furthermore, insurance companies are also taking into consideration people who received a distracted driving conviction prior to January 1, 2019, meaning they may not renew your coverage if you have this red mark on your record.
If you have any questions about the impact of a distracted driving conviction on your auto insurance, don’t hesitate to contact us. We can explain the law, review your options, and help you make the best possible decision based on your current situation.