🚨 A reader asks: “My mother was driving my car and was caught by speed trap cameras three times. Will my insurance go up?”
My mother was driving my car and was caught by speed trap cameras three times. The tickets came to me, and they’re all for speeding 10-15 km/h over the limit. Will these tickets have an impact on my insurance premiums? Assuming they do, is there a way I could dispute the charge and have her confess to speeding as the driver of my car? She has her own insurance and I believe her premiums should increase and not mine.
“The defendant is the individual who’s listed as the plate registrant according to Ministry of Transportation’s records on the date of the offence,” said Jacob Ginger, an Ontario Ministry of Transportation spokesman. It doesn’t matter if an offence came with demerits or not. While you can get your licence suspended if you get too many demerits, your insurance company looks at the convictions on your record and not your demerits. For instance, in Ontario, speeding tickets for going 15 km/h or less under the limitSince photo radar tickets don’t go on your record, they don’t affect your insurance rates.
In 1995, then-premier Mike Harris’s Conservative government scrapped a photo radar pilot on 400-series highways that had netted $16-million in fines from 224,000 tickets in 11 months.were installed in January, the province required a 90-day warning period where drivers got warning letters instead of tickets.
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