So what happens to insurance when you gain demerit points? - Camaro5 Chevy Camaro Forum / Camaro ZL1, SS and V6 Forums

rez333 · 05-25-2010, 05:35 PM

I gained some demerit points (3 speeding tickets in the same spot) a few months before insurance renewal was up, but our insurance never went up (I'm with TD insurance).

What happened to you (with regards to insurance) when you gained demerit points? Did you get away with it (no increase in rate)? Did you get called up by the insurance company a year later? 2 years later? Are you long-term good customers with the insurance company?

I'm just wondering if there is a pattern with how insurance companies in Canada treat speeding tickets.

thanks.

CanadianCamaro · 05-25-2010, 06:02 PM

You gain demerit points - you don't loose them. They're bad - you don't want them.

I can't comment on your actual question

rez333 · 05-25-2010, 06:44 PM

edited - are you happy now? Have we stopped wasting everyone's time with the semantics? Thanks.

TJ91 · 05-25-2010, 07:01 PM

wow 3 tickets and your insurance didnt go up
Heres an exmple from my insurance company, State Farm, $15 increase monthely for the Camaro for no reason lol I cant imagine 3 speeding tickets, can i say KY gel with the monthely bill?

CanadianCamaro · 05-25-2010, 08:01 PM

ooook..... then. I simply clarified something that is commonly misunderstood by many people. Relax.

I cannot speak to what your insurance company may or may not do. But I'd suggest a read of the part above your signature that talks about full disclosure. At that point you may wish to be careful what information is presented in a public forum.

3 tickets in the same spot? Hmmmm... good luck with that.

Spiv · 05-25-2010, 08:36 PM

It takes time. The ticket has to go through the courts, enter the guilty plea, take the fine, blah blah blah, info. forwarded to MTO (if in Ontario) and then placed on your driving record and then finally that record reviewed by the insurance company. Simply put, I got 2 speeding tickets 3 years ago, 4 months apart. The one the officer never filed. The second he did, I pled (he gave me 10 over when he caught me doing 24, so ace for him) and my company just got it last year. The ticket comes off my insurance this year.

I didn't get any points. If you get points, you're f***ked in terms of insurance, unless they have a first time forgiveness policy. Knowing that points start at around 20 over, if you have 3 of those, you're pretty much in trouble.

Just wait, they won't call you. When you renew and they finally get it, they'll just mention that your rates changed because of it.

tradosaurus · 05-26-2010, 08:08 AM

Quote:

Originally Posted by rez333

I gained some demerit points (3 speeding tickets in the same spot) a few months before insurance renewal was up, but our insurance never went up (I'm with TD insurance).

What happened to you (with regards to insurance) when you gained demerit points? Did you get away with it (no increase in rate)? Did you get called up by the insurance company a year later? 2 years later? Are you long-term good customers with the insurance company?

I'm just wondering if there is a pattern with how insurance companies in Canada treat speeding tickets.

thanks.

Sounds like you should invest in a radar detector.

PoorMansCamaro · 05-26-2010, 08:46 AM

I suggest you fight the tickets. After all, you weren't breaking the law.

Matster · 05-26-2010, 10:06 AM

Quote:

Originally Posted by tradosaurus

Sounds like you should invest in a radar detector.

Illegal in most Provinces and Territories in Canada. The last time I got caught with one, which was years ago, the Officer made me remove it from the car, place it behind the back wheel and back over it several times. The upside was, he didn't give me a ticket.

Matster · 05-26-2010, 10:24 AM

Years ago (early 80's), when I owned my last Camaro I accumulated 7 demerit points in about 4 months. 3 for get caught doing a burn out and 4 for speeding (2 tickets). I sold the car shortly there after to got back to school which was in the fall. The next spring I got a letter from the MTO requesting a personal interview and yes the insurance company did find out. They dropped me like a bad habit and was forced to go with a company that only offered facility rates. These are the companies that take the people no one else will insure. If memory serves me correctly, my rate went from about $450 a year to over $3000.

The other thing to keep in mind, when your policy renews you usually get an accompanying letter which basically place the onus on you to advise the insurance company of any changes in your information. Not sure if this includes tickets but it is their out. So if your in an accident and they start digging around and find out you had a number of tickets that they were not aware of, I think, don't quote me, that they can use this to deny any coverage.

CloudXTC · 05-26-2010, 09:26 PM

it will go up...

same spot 3 times tho... thats kinda crazy

rez333 · 05-27-2010, 06:12 PM

Insurance Demystified:

Here's the response from my insurance company: for a married couple, they will allow up to 4 speeding tickets amongst the two before raising rates. I guess for an individual, two tickets are allowed before a rate increase.

There you go.

CanadianCamaro · 05-27-2010, 10:04 PM

That's interesting.... I would assume that they adjust that for different penalties (eg. 15km over is no points vs. 30kms over = 4 points). I wonder how much it differs between companies

Thanks for posting what you found out.

05-25-2010, 05:35 PM	#1
rez333 Drives: 2013 ZL1 Join Date: Mar 2010 Location: St. Joseph Posts: 1,283	So what happens to insurance when you gain demerit points? I gained some demerit points (3 speeding tickets in the same spot) a few months before insurance renewal was up, but our insurance never went up (I'm with TD insurance). What happened to you (with regards to insurance) when you gained demerit points? Did you get away with it (no increase in rate)? Did you get called up by the insurance company a year later? 2 years later? Are you long-term good customers with the insurance company? I'm just wondering if there is a pattern with how insurance companies in Canada treat speeding tickets. thanks. Last edited by rez333; 05-25-2010 at 06:43 PM.

05-25-2010, 06:02 PM	#2
CanadianCamaro Drives: 2SS/RS IOM - A.K.A. DA ;) Join Date: Jan 2009 Location: Ontario Canada Posts: 2,046	You gain demerit points - you don't loose them. They're bad - you don't want them. I can't comment on your actual question __________________ "BBOMG - More than just a car show.... It's an experience!"

05-25-2010, 07:01 PM	#4
TJ91 :chevy: Drives: 2LT/RS Join Date: Jun 2008 Location: Toronto Posts: 13,035	wow 3 tickets and your insurance didnt go up Heres an exmple from my insurance company, State Farm, $15 increase monthely for the Camaro for no reason lol I cant imagine 3 speeding tickets, can i say KY gel with the monthely bill? __________________ CAMARO Consult your doctor before taking Camaro Side effects include Sudden increase in Heart Rate, Insomnia and occasional hallucinations If you experience Permagrin exceeding 4 hours after taking Camaro, seek immediate Camaro5 Help CAMARO Bringing excitment back into the Garage

05-25-2010, 08:01 PM	#5
CanadianCamaro Drives: 2SS/RS IOM - A.K.A. DA ;) Join Date: Jan 2009 Location: Ontario Canada Posts: 2,046	ooook..... then. I simply clarified something that is commonly misunderstood by many people. Relax. I cannot speak to what your insurance company may or may not do. But I'd suggest a read of the part above your signature that talks about full disclosure. At that point you may wish to be careful what information is presented in a public forum. 3 tickets in the same spot? Hmmmm... good luck with that. __________________ "BBOMG - More than just a car show.... It's an experience!"

05-25-2010, 08:36 PM	#6
Spiv Why you gotta be hatin'? Drives: 2010 Camaro 2LT/RS Join Date: Aug 2009 Location: Simcoe, Ontario Posts: 248	It takes time. The ticket has to go through the courts, enter the guilty plea, take the fine, blah blah blah, info. forwarded to MTO (if in Ontario) and then placed on your driving record and then finally that record reviewed by the insurance company. Simply put, I got 2 speeding tickets 3 years ago, 4 months apart. The one the officer never filed. The second he did, I pled (he gave me 10 over when he caught me doing 24, so ace for him) and my company just got it last year. The ticket comes off my insurance this year. I didn't get any points. If you get points, you're f*ked in terms of insurance, unless they have a first time forgiveness policy. Knowing that points start at around 20 over, if you have 3 of those, you're pretty much in trouble. Just wait, they won't call you. When you renew and they finally get it, they'll just mention that your rates changed because of it. __________________ Hazman!!! Thx for the sig! We all have Camaro syndrome, I just suffer from the z28 strand.**

05-25-2010, 06:44 PM	#3
rez333 Drives: 2013 ZL1 Join Date: Mar 2010 Location: St. Joseph Posts: 1,283	edited - are you happy now? Have we stopped wasting everyone's time with the semantics? Thanks.

05-26-2010, 08:46 AM	#8
PoorMansCamaro Drives: Really Slow Join Date: Apr 2010 Location: PA Posts: 57,197	I suggest you fight the tickets. After all, you weren't breaking the law. __________________

05-26-2010, 10:24 AM	#10
Matster Drives: 2010 2SS/RS IOM/IOM #3625 Join Date: Jun 2008 Location: Greater Toronto Area Posts: 1,902 View My Garage	Years ago (early 80's), when I owned my last Camaro I accumulated 7 demerit points in about 4 months. 3 for get caught doing a burn out and 4 for speeding (2 tickets). I sold the car shortly there after to got back to school which was in the fall. The next spring I got a letter from the MTO requesting a personal interview and yes the insurance company did find out. They dropped me like a bad habit and was forced to go with a company that only offered facility rates. These are the companies that take the people no one else will insure. If memory serves me correctly, my rate went from about $450 a year to over $3000. The other thing to keep in mind, when your policy renews you usually get an accompanying letter which basically place the onus on you to advise the insurance company of any changes in your information. Not sure if this includes tickets but it is their out. So if your in an accident and they start digging around and find out you had a number of tickets that they were not aware of, I think, don't quote me, that they can use this to deny any coverage. __________________ 666 EVIL RWHP BUILT AND TUNED BY SHIFTED PERCEPTIONS INC.(SPi) 416 Forged Stroker, E-Force Supercharger, Blower Cam, Rotofab CAI, Stainless Works 2" LT Headers and 3" Exhaust, LPE ZR1 Twin Disc Clutch, DSS 1400 HP Axles, Pfadt Performance Kit Stage 3.

05-26-2010, 09:26 PM	#11
CloudXTC Drives: 1LT\|RS\|SIM\|M6\|BA Stereo Join Date: Jul 2009 Location: Brampton, Ontario Posts: 1,838	it will go up... same spot 3 times tho... thats kinda crazy __________________ 1LT \| RS \| M6 \| SIM \| BA Stereo 1000 - [07-23-2009] Order Made at dealer 1100 - [08-04-2009] Preliminary order accepted 2000 - [08-25-2009] Accepted by GM 3000 - [09-01-2009] Accepted by production control TPW = 10-05-2009 3300 - [09-28-2009] Scheduled for production 3400 - [10-01-2009] Broadcast - Being Built 3800 - [10-13-2009] Produced - Built- VIN 2G1xxx54917 4200 - [10-19-2009] Shipped 5000 - [10-19-2009] Delivered to the dealer 6000 - [10-20-2009] Delivered to the customer

05-27-2010, 06:12 PM	#12
rez333 Drives: 2013 ZL1 Join Date: Mar 2010 Location: St. Joseph Posts: 1,283	Insurance Demystified: Here's the response from my insurance company: for a married couple, they will allow up to 4 speeding tickets amongst the two before raising rates. I guess for an individual, two tickets are allowed before a rate increase. There you go.

05-27-2010, 10:04 PM	#13
CanadianCamaro Drives: 2SS/RS IOM - A.K.A. DA ;) Join Date: Jan 2009 Location: Ontario Canada Posts: 2,046	That's interesting.... I would assume that they adjust that for different penalties (eg. 15km over is no points vs. 30kms over = 4 points). I wonder how much it differs between companies Thanks for posting what you found out. __________________ "BBOMG - More than just a car show.... It's an experience!"

Similar Threads
Thread	Thread Starter	Forum	Replies	Last Post
Jacking Points and axle stand points	ClaymoreZ28	Camaro DIY & HOW-TO instructions & discussions	49	03-11-2016 03:12 PM
C5 camarofest rally points during the trip.	edog	USA - Mid-Atlantic	160	04-14-2010 09:51 PM
Points Ignition Thoery Question	fuffl	General Automotive + Other Cars Discussion	3	01-10-2010 03:41 PM
credit card points - someone please chime in	solo40oz	5th Gen Camaro SS LS LT General Discussions	8	01-08-2010 10:22 PM