quote:

Originally posted by Cro_Addict Man thats 2 demerit points! Take it to court. I took mine to court and the prosecutor offered me to plead guilty to disobeying an official sign. and that was only a $90 fine and no points.

yeah... I don't think I ever got any demerits before... Is that going to increase my insurance? I'm actually a good driver, and very rarely get tickets of any kind.

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Short time TA, Long time Guver, Good time giver.

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Originally posted by Abercrombie yeah... I don't think I ever got any demerits before... Is that going to increase my insurance? I'm actually a good driver, and very rarely get tickets of any kind.

it could increase your insurance..

But like I said just take it to court
and then they will call you for some kind of hearing with the prosecutor. This is where they offer you a deal. So you can take it or not.

They will probably offer you something like disobaying an official sign which will have no points and no impact on insurance, and you just plead guilty and thats it.

If you plead not guilty to the new charge as well then they give you a court date. But this doesn't concern you since you will just take the deal.

quote:

Originally posted by Dr. Z try reading

Oh you mean the one in the post that I quoted? Well thought-out scenario there, Einstein. Which one of your sugar daddies is going to be paying for the personal injury claims?

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I'm the trouble starter, fuckin' instigator.
I'm the fear-addicted, danger illustrated.

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Originally posted by Dr. Z okay, then loan that money and have the client pay it off over 30 years, with my dads rate for insurance? same thing? yes except people who weren't in an accident aren't ASSRAPED

The point of insurance is to spread the risk of the few amongst the many. The very reason for insurance is so that should one suffer a loss by damage to property or legal liability they will not be financially ruined. I've handled claims on injury claims personal lines that ran upwards of $2,000,000, my largest commercial lines claim was just under $25,000,000 US. If not for insurance I can assure you that the at fault driver in the first instance and the corporation that owned the truck in the second would have been bankrupt if not for insurance, moreover, the courts would have ordered an assignment against them that would have resulted in them continuing to pay 25-30% of their gross income to the aggrieved parties for the remainder of their life. Personally, I'd rather pay premiums then take that risk. Additionally, I can assure you that neither the personal driver or the corporate entity in the claims cited above have paid or will ever pay an equivalent amount in premium as their insurers paid in those losses.

BTW, people's driving habits generally don't change for the better if they do not have insurance. In fact, uninsured/underinsured drivers statistically are responsible for a disproportionatly high amount of collisions. This could indicate that people who drive without insurance are a greater risk then the average person or it could indicate that they don't carry insurance because they are a greater risk thus they are unwilling to pay the additional premiums, I cannot say for sure, however, it does fly in the face of your suggestion that people would drive better if they did not have insurance.

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Originally posted by RickyM you're just a shit version of Moral Hazard. At least he knows what he's talking about.

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Originally posted by pkcRAISTLIN lol, i love it when moral feels the need to lay the smack down

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Originally posted by Abercrombie yeah... I don't think I ever got any demerits before... Is that going to increase my insurance? I'm actually a good driver, and very rarely get tickets of any kind.

The demerit points don't matter from an insurance standpoint... the conviction does. You're charged with violation of s136(1)a) of the HTA. If convicted it will act as a minor conviction on your driving record. That will have an effect on your rates, however, it should not be very significant... equivalent to a speeding ticket. After 4 years the conviction will come off your experience record and you'll be back to normal.

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quote:

Originally posted by RickyM you're just a shit version of Moral Hazard. At least he knows what he's talking about.

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Originally posted by pkcRAISTLIN lol, i love it when moral feels the need to lay the smack down

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Originally posted by Cuzo I have paid over 3 grand in parking fines. I am stupid.

where the hell are you parking?

In Mississauga, they give parking tickets on my companies private parking lot.

beat that!

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Life is meant to be seen in pink.

Paid my 3rd parking ticket today that I got in the same spot, LOL...I guess I just don't learn.

All 3 tix were writtine up 4-7 mins after expiry.

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Originally posted by Cro_Addict Hey question! What would happen if I just pretend like I never got the ticket. And if they call me or something I just say I didn't see it on the window and someone must have taken it. I am sure this happens. That someone tries to be funny and takes a ticket off a car. What happens in this case?? And if you are gona say suck it up and pay, please keep your comment to yourself. I will pay the ticket, I just want to know what would happen!

because they no longer offer the discount of paying 20 bucks in the first 7 days. they will just send you a letter to the address of your license plate to pay the 30 dollars before they file a conviction. once the conviction is filed (if you didn't pay that), it goes up to 46 dollars. if you don't pay that, it goes up to 60 bucks and goes onto your license record. when you go and renew your stickers it will be added to the price of the sticker (registration).

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Originally posted by StereoPrincess because they no longer offer the discount of paying 20 bucks in the first 7 days. they will just send you a letter to the address of your license plate to pay the 30 dollars before they file a conviction. once the conviction is filed (if you didn't pay that), it goes up to 46 dollars. if you don't pay that, it goes up to 60 bucks and goes onto your license record. when you go and renew your stickers it will be added to the price of the sticker (registration).

Thank you

quote:

Originally posted by Moral Hazard The demerit points don't matter from an insurance standpoint... the conviction does. You're charged with violation of s136(1)a) of the HTA. If convicted it will act as a minor conviction on your driving record. That will have an effect on your rates, however, it should not be very significant... equivalent to a speeding ticket. After 4 years the conviction will come off your experience record and you'll be back to normal.

Thanks!

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Short time TA, Long time Guver, Good time giver.

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Originally posted by Cosmic Fur Oh you mean the one in the post that I quoted? Well thought-out scenario there, Einstein. Which one of your sugar daddies is going to be paying for the personal injury claims?

haha
you clearly dont see the big picture

the personal injury claims are huge because the insurance companies can afford them

yea, i got a cut here, and a bruise here, and i'm suing for $20,000
and the system is so retarded that they let these things happen

and since these claims are huge, we'll just assrape all the other payees, regardless

there is something philosophically wrong with charging good drivers for the idiocity of the retarded ones, this is why people are coniously complaining, and countless skipping on/cheating insurance