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-- need help with a speeding ticket
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Originally posted by Superstring THIS 3. When actually in court, try to get the fine (such as speeding) reduced to a city by-law violation with no points and exactly the same $$ payable to the city. You see, an HTA violation such as a speeding ticket, assuming you're convicted, goes on your record. That conviction affects your insurance rates. However, a city by-law violation does not go on your record. Point 3 I'm not 100% sure on - it's what some forums gave me on Google.

You are right about point 3.

I agree that 142 on the highway is not too fast. I have been pulled over for going faster myself, and I am considered a professional driver, but 42 over is too fast. Let me change the environment, 92 in a 50. Or 82 in a 40 school zone. So I think the fine does fit the offense. HOWEVER, I think there should be an alteration to the limits on the 400 series. In Alberta the speed limit on highways is 110 whereas here in Ontario, they would be considered non-king series highways and have a 80-90 limit. Plain and simple, Ontario is a nanny state, and insurance companies have a huge stake in the enforcement of the HTA. I don't have a source so I guess it is heresay, but I have a few friends that are cops with PRP and OPP, and any stealth cruiser, or bait car is DONATED by the insurance companies. Make no mistake about it, insurance companies have a HUGE stake as it is the foundation of their revenue.

quote:

Originally posted by Sentinal You are right about point 3. I agree that 142 on the highway is not too fast. I have been pulled over for going faster myself, and I am considered a professional driver, but 42 over is too fast. Let me change the environment, 92 in a 50. Or 82 in a 40 school zone. So I think the fine does fit the offense. HOWEVER, I think there should be an alteration to the limits on the 400 series. In Alberta the speed limit on highways is 110 whereas here in Ontario, they would be considered non-king series highways and have a 80-90 limit. Plain and simple, Ontario is a nanny state, and insurance companies have a huge stake in the enforcement of the HTA. I don't have a source so I guess it is heresay, but I have a few friends that are cops with PRP and OPP, and any stealth cruiser, or bait car is DONATED by the insurance companies. Make no mistake about it, insurance companies have a HUGE stake as it is the foundation of their revenue.

wow.....you are so wrong about the insurance companies. Insurance companies DO NOT make money on auto insurance. They make money on investments. If insurance companies had a choice in writing auto insurance in Ontario they wouldn't....but they have to if they want to write other personal lines insurance.

I got the same speeding ticket only it was 48 over and 4 points between niagara falla and St. Catherines like 2 months ago. My friend directed me to this ex cop paralegal service that he swears by, so now I'm just waiting and hoping to at least get rid of the points. Set me back $312 though, hope its worth it. So I would say your best bet is to get a good Paralegal, let me know if you need any contacts.

I just love the attitude of people....its not my fault its the systems fault. The system has been around long before any of us were driving. We all know the system and we all know the consequences if we don't follow the system. I agree that the speed limit is too low for 400 series highways but I am willing to take my punishment if I get caught.

quote:

Originally posted by ChemEnhanced wow.....you are so wrong about the insurance companies. Insurance companies DO NOT make money on auto insurance. They make money on investments. If insurance companies had a choice in writing auto insurance in Ontario they wouldn't....but they have to if they want to write other personal lines insurance.

How can they possibly not be making money? I'm not attacking you personally so please dont take it that way, but I'm a good driver. I'm a professional driver, no tickets, no accidents. Yet I still pay 1200 on a car not worth that much in value and I am an occasional driver! I'm over 25 had a full license for over 12 years and a six star rating. Yet still charged huge premiums.

Chem, when there are probibly quite a number (thousands) of people with similar situations and these people never make claims, the money is just going right to the insurance companies. The people that ARE bad drivers have higher premiums to make up for the money the insurance companies have to pay for their mistakes. I just doesn't seem to make sense that premiums are so high. I know there was a thread about this like 2 weeks ago, but I just dont understand quite frankly.

quote:

Originally posted by Sentinal How can they possibly not be making money? I'm not attacking you personally so please dont take it that way, but I'm a good driver. I'm a professional driver, no tickets, no accidents. Yet I still pay 1200 on a car not worth that much in value and I am an occasional driver! I'm over 25 had a full license for over 12 years and a six star rating. Yet still charged huge premiums. Chem, when there are probibly quite a number (thousands) of people with similar situations and these people never make claims, the money is just going right to the insurance companies. The people that ARE bad drivers have higher premiums to make up for the money the insurance companies have to pay for their mistakes. I just doesn't seem to make sense that premiums are so high. I know there was a thread about this like 2 weeks ago, but I just dont understand quite frankly.

The problem is...the money from the people that don't have claims doesn't go directly to the insurance company....it goes to paying for claims that people do have. The best way to think of how it works is that all people who have auto insurance with the company put money into a pot and that money represents how much the insurance companies will pay out in claims. Each person puts in an amount that would represent their chances of having to take money out of the pot. Even though all people will not have to take money out of the pot some will in order to pay for claims. What most people don't understand is there is a lot more to auto claims then just the physical damage to the vehicle. That is the smallest portion of most claims. Injury claims are very expensive in Ontario. I have claims where a person's premium is less that $1000.00 a year but they have an injury claim and the costs go over $100,000.00. That person would have to pay another 100 years of premium to make that up. The insurance companies try to run at a 1 to 1 ratio....for every dollar in premium taken in they pay out a dollar in claims.

quote:

Originally posted by Superstring Any questions such as "Did you see the sign?" or "Do you know how fast you were going?" should be answered with: "Officer, can you tell me the reason I was pulled over? How can I help you at this time?"

So when the cop keeps asking me if I saw the sign or knew how fast I was going etc. I should just keep responding with "how can I help you at this time"?

I think I'd have a hard time saying this with a straight face....

quote:

Originally posted by 1dawoman So when the cop keeps asking me if I saw the sign or knew how fast I was going etc. I should just keep responding with "how can I help you at this time"? I think I'd have a hard time saying this with a straight face....

Assuming you're Canadian, you may also choose to respond with:

"Under Canadian Charter of Rights and Freedoms, Chapter 13, I choose not to provide an answer which may or may not be used to incriminate me in court, officer. Now, sir, how can I help you today?"

If you're in US: "I plead the Fifth How can I help you officer?"

quote:

Originally posted by ChemEnhanced The insurance companies try to run at a 1 to 1 ratio....for every dollar in premium taken in they pay out a dollar in claims.

if this is the case, where do they get all of their investment capital and how do they make billions per year???

quote:

Originally posted by VDub if this is the case, where do they get all of their investment capital and how do they make billions per year???

Not all the money is needed to pay claims at the moment it's collected. The money that is not needed is put into investments, usually short term investments, and then when needed it can be used.

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