Kanetix Forum

Now that I can't use my cell phone while driving, what happens to my insurance if I get a ticket?

If you get a ticket for driving while using a hand-held device (note it is not just cell phones) the ticket you will likely get will be considered a "minor" ticket. Essentially the same as if you were caught driving without your seatbelt. Depending on your insurer, and how many tickets you already have, your rates may go up. If it is your first ticket, it may not.

Keep in mind though, that if the police feel that you were driving carelessly or dangerously as a result of using a hand-held device, they can also charge you with careless driving or even dangerous driving (a criminal offence). One of these tickets and the effects on your insurance will likely the least of your worries. If convicted, according to the MTO site, you will automatically receive six demerit points, fines up to $1,000 and/or a jail term of six months. In some cases, your licence may be suspended for up to two years.

Sean Graham, Principal Broker at KTX Insurance Brokers.

Neither Kanetix® nor the KanetixForum.ca is an insurance broker or agent. Although this information has been passed along to you from KTX Insurance Brokers through the Forum, we are not responsible for the opinions expressed by them. Insurance can be complicated. When reading these answers, keep in mind each person¿s situation is unique. Individual responses may vary depending on your insurer, geographic location, and specific circumstances. If you have a similar situation, always speak with your insurance provider, or a licensed insurance representative, for terms and conditions that may apply to you.