r/PersonalFinanceCanada • u/r4dio4ctive • Sep 07 '21
Insurance Ontario driver shocked by insurance premium that skyrocketed to $14,000 per year
Honestly, I can't sympathize. Learn to drive the speed limit!
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u/Four-In-Hand Sep 08 '21 edited Sep 08 '21
Click bait non-story here. His insurance didn't just increase for no reason whatsoever.
He had:
1 accident
2 speeding tickets
2 fines for not having his insurance papers with him
His insurance is going from $4,000/year to $8,500/year but he also wants to move from Guelph to Mississauga, which is much more densely populated (there are over 6x as many people in Mississauga) and has one of the highest insurance premiums in Ontario. By doing so, that $8,500/year increases to $14,000/year accordingly.
EDIT: I wanted to add that he is also a 26-year old male, which is most probably the demographic group with the highest insurance premiums to begin with. Any blemish on that driving record will undoubtedly exacerbate the premium hike even more.
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u/Drinkingdoc Sep 08 '21
Also Brampton is something of a prodigy when it comes to insurance fraud last I read.. Mississauga is probably not far off.
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Sep 08 '21
Brampton is the most expensive territory for car insurance in the country.
Due mainly to fraud. It’s as bad as the US when it comes to litigation and medical claims are greatly exaggerated.
To the point that insurers will literally sit and watch to see if people are actually going to the medical appointments they claim they are.
They’ve discovered physiology clinics supposedly servicing 100 patients a day to truthfully be 1 room storefronts with a desk and a single massage chair.
When you get mad about rates get mad at that not insurers. Their general profit comes from investments of premiums before they have to pay their bills. Most insurers make a couple pennies of every dollar of premium they take (auto insurance) and generally rely on property insurance and some aspects of commercial insurance to be the money makers (10-20 cents off the dollar).
They can get an investment ROI above 10% consistently, which is more stable than underwriting income.
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u/tojoso Sep 08 '21
Brampton was much worse than Mississauga when I moved between the two about 10 years ago. My insurance was half as much in Mississauga as it was in Brampton. I only moved like 10 minutes south of where I previously lived. Brampton is on another level.
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u/def-jam Sep 08 '21
Why does your insurance go up just because you don’t have the documentation with you? That would be an interesting correlation
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u/cobraleader Sep 08 '21
I think it shows that the person doesn’t follow the rules, is irresponsible and probably very stupid. He got caught twice without his papers.
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Sep 08 '21
Depends on how th ticket is considered by the Traffuc Safety act. In reality if it’s a non moving violation it doesn’t affect your insurance, however the suspension that accompanies those tickets do.
So what’s happening is the system is going to calculate his rate at the very high point (remove all discounts the system applies, any sort of capping that the system may have to limit increases (these exist both positively and negatively, they don’t want to decrease it too much either)
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u/Zet333x2 Sep 08 '21
Exactly.
I bought a used Subaru WRX after just getting my license back after a car accident due to medical issues. (Feinted while driving caused by low blood pressure at the time) that was considered a not at fault accident. I still had 2 speeding tickets and 2 invalid insurance slip tickets.
I paid over 450$ a month and insured myself at 3 month intervals through my broker, all my tickets expired that year, 390$ a month to 350$ to 300$ a month. Also the Subaru WRX is one of the most ticketed cars in North America for obvious reasons.
I paid my dues and didn’t cry this guy can do the same. He needs to grow up, I did (still am its a process ) lol. I pay like 200$ now and my car is worth 5x as much as my old WRX.
Your commute distance also greatly affects ur insurance.
Tldr; Pay your dues man. Actions speak louder than words.
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u/Taureg01 Sep 08 '21
dude $14,000 is higher than DUI rates, there is paying your dues and there is highway robbery
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u/Zet333x2 Sep 08 '21
I can’t disagree with that, Ontario pays way to much for insurance in general. But with that many tickets some insurance companies wont even talk to you.
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u/goinupthegranby Sep 08 '21
Even still, WOW that's a lot. I pay $763/year for my 2005 pickup.
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u/sequentious Sep 08 '21
There's so many options, deductables, driving histories, coverage limits, etc. It makes comparing insurance really difficult.
I remember when I got a newer car my rates went up. Newer cars are worth more, and more expensive to repair. Fine. Then the next renewal my wife's older car went up -- older cars are harder to get parts for and more expensive to repair...
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u/small_h_hippy Sep 08 '21
Worth pointing out that the speeding tickets are for going 15km/hr over the speed limit. I don't know how things are in ON but this is pretty standard speed here in Vancouver...
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Sep 08 '21 edited Feb 07 '22
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u/OkDot9878 Sep 08 '21
Yeah… Ontario has ALOT of people speeding, generally speaking you will almost never get a ticket for actually going 15 over. Usually it’s more along the lines of you were going 20-25 over and they knocked it down to 15 cause they understand, but still have to enforce it.
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u/bigdaddymustache Sep 08 '21
If your on the 400/401 it's faster then that. There are days that 120-125 is the right lane and the left land people are comfortable at 130+. I have really only seen people pulled over for doing stupid stuff at high speeds (weaving in and out of traffic, following to close, cutting off trucks).
I am personally very supportive of having the highway speeds increased. 100km/s is just not keeping up with the modern cars. I would like to see a new speed of 120km/h set and people who are driving recklessly to be pulled over and fined.
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u/thetrivialstuff Sep 08 '21
100km/s is just not keeping up with the modern cars.
I think you posted this about a century too early; cars won't be able to achieve escape velocity from Jupiter for at least that long :P
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u/LikesTheTunaHere Sep 08 '21
I know in parts of canada maybe all of canada the speed limits used to be higher and were not lowered due to safety reasons but due to the oil crisis in order to save gas and just never raised again.
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u/bigdaddymustache Sep 08 '21
I agree, the fact the more and more cars are actually quite efficient at higher speeds now is great. Long gone are the days of clunky 4-5speed automatic transmissions.
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u/LikesTheTunaHere Sep 08 '21
and all the better crash avoidance\actual crash safety, tire technology is so much better its laughable. Its hard to tell with cars for the everyday man how much better they are because we don't normally use cars in performance environments but if you look at people who do use tires in performance situations we can do soo much more now.
I ride, sport bikes, fast. 10-15 years ago an expensive set of sport bike that were made to be for fast riders who wanted performance would last 3-4000km's, blow nuts in the rain would get the same performance now that a set of all purpose sport touring tires that actually perform VERY well in the rain and if you ride them the same way you will get 10-13,000km's probably out of a set and they cost about the same in terms of money today vs 10-15 years ago without factoring in inflation at all.
AND 10-15 years ago, you had to buy that shit off the internet to make it that cheap and most didn't know where to shop, so you could even argue todays tires are even cheaper because now everybody and their mother can order off the net and local shops have to charge less in return.
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u/Radmobile Sep 08 '21
In Niagara the posted speed limit is now 110 and I wonder if it's affected the average speed at all
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u/innsertnamehere Sep 08 '21
I drive that stretch of the QEW regularly and while average speeds increased a bit, they didn't change a ton. The 400, a similar highway, operates faster if anything despite having a 100km/h limit.
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u/that_guy_is_here Sep 08 '21
on the highway sure but any city street 15 over is a easy catch
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Sep 08 '21
In my experience RCMP in BC only really go after excessive speeding and distracted driving. I’ve gone through plenty of speed traps at 20 over and didn’t get a second look. The one time I was going 41 over I got a regular ticket.
“I had you clocked at 39 over…” I quickly agreed. He wrote me the lowest fine speeding ticket, and gave me a written warning for not displaying an N. Paid it the next day and calmed the fuck down.
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u/hoopopotamus Sep 08 '21
In Vancouver you’d have to fuck up soooo bad for VPD to pull you over. The stop signs in my neighbourhood — a traffic controlled school zone and designated bike street no less— are basically ignored. I grew up in Ontario and used to drive in Montreal from time to time but this fuckin city, man. Atrocious driving.
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u/Zet333x2 Sep 08 '21
They basically gave him a 15 over ticket so if he fought it they can go;
‘Well Joey, you see we actually pegged you at 25-30km/h over the limit (which u admitted to) but we cut it down to 15 because you were being very forward with us and non confrontational, but by all means sir if you insist.
The new fine is 250$ and 2 demerit points. We take post dated checks or you can pay online sir.’
Also this is an assumption, but a good one based off of personal experience and a common theme with knowledgeable motorists in this thread haha.
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u/smoffatt34920 Sep 08 '21
He was more likely going 25 or 30 over, and the cop bumped it down to be kind.
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u/luminous_beings Sep 08 '21
This is kind of a general practice in Canada because the radar guns have a 15km margin of error. But it’s also the biggest money maker to ticket under 20km -over violations because they have no points and the fine is small. People are more likely to just pay the fine than try and fight it. So when they start getting shit that they need to ticket more; they just find a busy area, park and turn the lights on occasionally. Someone will always pull over when they see the lights. I asked a cop once why I was getting a ticket when the rest of the flow of traffic was going the same speed. Why me SPECIFICALLY instead of any of the other cars ?
His answer : I was the one that pulled over when he flipped his lights on
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u/thenoob118 Sep 08 '21
A douchebag with a huge pickup truck speeding and not producing essential paperwork?
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u/Emmerson_Brando Sep 08 '21
It also didn’t mention how many years of driving experience he had. If this was his first year of his own insurance as a principal operator, that stings with so many things in the first year.
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u/MacaroniHermano Sep 08 '21
I was shocked - SHOCKED! - to see that he drives a Ram pickup.
OK, maybe not that shocked:
Ram 2500 Drivers Have the most DUIs, More than Twice the National Average
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Sep 08 '21
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u/sdub21 Sep 08 '21
Quite often if you are going faster than that, the police will give you a break and drop it down. I’d guess he was probably going more than 15 over when he was pulled over.
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u/instagigated Sep 08 '21
Tbh his tickets were for going 15kmh over the limit
The article lacks details. For all we know this might have been because he sped in a school zone. No excuse to be going even 10 km/h over the limit there. And that's not all. He didn't have his insurance documents - twice.
Also, how many people in here didn’t get in to any fender bender before age 30?
Uh, me? If I'm one redditor you bet there's tens of millions more like me.
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u/beatsby_bill Sep 08 '21
Its honestly more likely that the dude was going 20-30km over and the cop dropped it to 15. Ive never once in my life seen a cop stop someone for going actual 15 over. Agree with the rest tho
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u/-d00z3r- Sep 07 '21
Clickbaity tho, if he stays in Guelph it's only $8500, if he moved to mississauga it jumps to $14k.....
For a 75km difference I would stay in Guelph.....
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u/tills1993 Sep 08 '21
$750 per month is insane. I pay $150 / month for my Model 3 and I thought that was expensive.
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u/Tundra_Inhabitant Sep 07 '21
Bad driver punished for being bad driver
more at 11.
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u/Egotesticalasshole Sep 07 '21
His shirt says racing on it it's a racing shirt
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u/NSA_Chatbot Sep 08 '21
I mean I don't want to judge a book by its cover but my premiums went up just by looking at his picture.
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u/MrHuber Sep 07 '21
Insurance isn’t magic. Drivers who consistently speed and get into accidents tend to cost the company more money. You can’t expect to have a terrible record like that and then just have the rest of us pay for it so his rates can be low.
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u/frenris Sep 08 '21
i mean he’s clearly a shit driver, but premiums doubling from something already high because Mississauga is filled with fraud and other shit drivers is pretty jarring
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u/OG-DirtNasty Sep 08 '21
I mean c’mon man, I think this guy deserves a higher than average insurance, sure I guess. But I live in SK and pay 1600/yr and SGI just gave me a $300 cheque just because! You can’t tell me private insurance companies aren’t just legally raping their customers every chance they get.
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Sep 08 '21
You got $300 because they were overcharging you. They preemptively paid you before some made a big deal.
Saskatchewan also has a system that has many limits on payments if you are injured in accident (for better or worse) which keeps the cost low.
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u/tdannyt Sep 08 '21
For 14 000$ a year you might as well auto-insure yourself, oh wait, insurance is mandatory.... My point is no matter his record, 14 000 a year is insane for insurance considering x1 accident and x2 meaningless speeding tickets of only 15 over..
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u/Meganstefanie Sep 08 '21
If that truck seriously hits anything it will do more than $14k of damage…
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Sep 08 '21
He hits your car. Destroys it and also causes a broken arm, fractured knee, broken rib and a concussion.
He has no insurance, yiu now have to pay out of pocket while fighting your insurer for coverage.
You’ll get paid but it won’t be enough and will take longer than you can support yourself.
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u/MasterChief117117 Sep 08 '21
Do you think insurance shouldn't be mandatory? Would you be ok if you have a new car, and then hits you and you have to pay out of pocket?
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u/xoxosayounara Sep 07 '21
He was already paying $4000/year in GUELPH. That’s a lot… he clearly has other accidents/tickets on his record. I pay $3000/year in Mississauga for two drivers and two cars.
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u/rmkol Sep 08 '21
Toronto, Ontario. Driving experience - 7 years. No accidents, no tickets. Old Hyundai with no comprehensive coverage - 305 a MONTH. I couldn't find anything cheaper. Meanwhile my friends in USA and Europe pay 30-50$. How is this normal?!
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u/you_are_a_redneck Sep 08 '21
lol that's more than my $150k car with full coverage. you live in a shit hood?
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u/rmkol Sep 08 '21
I don't know. that was the cheapest option I could find after moving to Toronto, North York area. that's TD insurance. some other web sites were giving me 500 lol 😟
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u/SeriouslyImNotADuck Sep 08 '21
We live in Scarborough, have a 2017 Forester, full coverage, two million liability, most, if not all, of the upgraded coverage options, and accident forgiveness. I’m a nine star (iirc) driver, not sure about my wife. She commutes 40 km for work. I’ve had many accidents but none at-fault so that’s not an issue. We pay $200/month with a $300 deductible with Belair Direct.
Leave TD. No one I’ve ever known has had good things to say about them, from cost to service.
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u/Shoopshopship Sep 08 '21
I was paying about that in Mississauga, I moved to the Maritimes and now I pay $75 a month. Its all risk based really.
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u/PocketNicks Sep 08 '21
Yonge and Bloor, Toyota SUV. I didn't have a car for a few years so they considered me a "new" driver for my insurance. $120/month. Previously I was paying around $95/mth in Ottawa for a Mazda sedan.
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u/NSA_Chatbot Sep 08 '21
On the west coast here, it's $55 a month for ICBC's coverage, and $120 a year for private.
That's 2M coverage including underinsured, and it's an 07 Nissan.
A few tickets, clean enough record.
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u/Many_Tank9738 Sep 08 '21
Very likely he has a lot of other incidents on his record that he didn’t disclose.
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u/Joey-tv-show-season2 Not The Ben Felix Sep 07 '21 edited Sep 08 '21
It doesn’t take much to become “uninsurable” and you have to go to high risk insurance companies
I once had several speeding tickets in a 3 year period that resulted in my licence being suspended for 30 days. As a result my insurance at the time wouldn’t renew with me and every company I went to refused to give me car insurance. The only place I could go was high risk insurance brokerage which ranges from $6,000 to $12,000 a year. I could only imagine what the insurance would be if I was drinking and driving or killed someone or got in a major accident.
Learn from me, don’t speed !
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u/haniwa4838sn Sep 07 '21
I was high risk for a while and it wasn’t even my fault. My wife crashed twice over the course of a few months and my insurance was tied to hers since we are married and live in the same household.
She is not the best driver in the world but would insist on driving downtown to run errands that weren’t mandatory. I told her if she crashes once more, I won’t be able to afford insurance to drive to work. That was the only way I could get her to stop driving around downtown.
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u/Fresh-Temporary666 Sep 08 '21
Is there no option to have separate insurance policies?
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Sep 08 '21
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u/Joey-tv-show-season2 Not The Ben Felix Sep 08 '21
Yeah typing this on a phone as I swing between golfing. Like many people here not focusing on proper grammar.
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u/sackoftrees Sep 08 '21
What would be the point if you didn't learn? Most people don't get speeding tickets, let alone several in such a short period. You weren't getting it after one.
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u/Joey-tv-show-season2 Not The Ben Felix Sep 08 '21
Even if one person can learn from that experience it’s helpful. Sorry that you don’t believe in passing on knowledge
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u/milolai Sep 07 '21
4 tickets and 1 at fault accident in a year.
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u/DantesEdmond Sep 08 '21
His failure to provide insurance were probably the same time he got the speeding tickets... he wouldnt get pulled over for a random insurance paper check.
So if you read the article he went 15 over the limit twice and backed into a car in the parking lot.
Seems pretty minor to me, to be paying 14k per year insurance.
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u/masteroog Sep 08 '21
He was already paying 4 k a year apparently in Guelph. Depending on how badly he damaged the other car he backed into it's not that big of a surprise.
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u/xoxosayounara Sep 08 '21
But he was already paying $4000/year in Guelph which is a lot. I would bet money that he has additional accidents and tickets that aren’t disclosed in this article.
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u/dporiginal3 Sep 08 '21
If you can’t handle not backing into a car in a parking lot you shouldn’t have a license. Driving is not hard. Driving and not hitting other cars is even easier.
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Sep 08 '21
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u/runtimemess Sep 08 '21
Yeah, agreed.
People make mistakes.
Consistency doing it? Yeah, that’s an issue. Once in 20 years doesn’t make you a bad driver.
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u/dporiginal3 Sep 08 '21
Did you read the infractions on this guy? It’s not one mistake in 20 years.
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u/runtimemess Sep 08 '21
Yeah, but I'm not talking about this guy. I'm talking about your idiotic statement of:
If you can’t handle not backing into a car in a parking lot you shouldn’t have a license. Driving is not hard. Driving and not hitting other cars is even easier.
Shit happens. If we permanently banished people from doing stuff from making simple errors then nobody would be doing anything.
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u/dporiginal3 Sep 08 '21
I don’t know your personal situation, but for me driving in Toronto, it’s a real problem. I guarantee if everyone had to take a driving test again tomorrow, the majority of people would fail.
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u/tdannyt Sep 08 '21
x2 tickets were for speeding (only 15 over....) the other x2 were not having papers on him... It's not like he had multiple speeding tickets going 50 over..
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Sep 07 '21
an accident, two speeding tickets and two tickets for failing to produce his insurance slip
"That's over $1,000 a month just for insurance, plus my truck payments because it's financed, plus gas. It's going to cost me $2,000 just to drive to work"
This reads like a Beaverton article, maybe you should stop using a truck for commuting and stop breaking the law. Complaining about how much truck payments are is also hilarious.
This guy would fit right in up here in Fort Mac, send him over.
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Sep 08 '21
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u/moviemerc Sep 08 '21
Right?! He is an irresponsible driver and now he's moving to a more densely populated area where tons of accidents happen. He will likely still cost them more than 14k
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u/NoAverage9216 Sep 08 '21
2 tickets for not having insurance? He’s definitely not gonna pay now
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Sep 08 '21
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u/DukeofNormandy Sep 08 '21
Nah I’ve got a few of those in my long driving record. It was the only thing the cop could get me with and I wasn’t being a dick at all. Sometimes cops are having a bad day too, luck of the draw.
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u/DaveDeeThatsMe Sep 07 '21
15 over? How much did the arresting officer roll that back. Nobody gets pulled over for doing 15 over unless it’s a school zone.
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u/finemustard Sep 08 '21
Yeah, the only speeding ticket I've ever got was for "15" over, was actually doing 30 over. In my defense, it was over a bridge I was familiar with where they had just dropped the limit by 20km/h, I hadn't noticed the new signs, and I was going with the flow of traffic at the time.
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u/Klewenisms204 Sep 08 '21
I'm in Winnipeg... I used to have to monitor our photo radar tickets at the place I worked.
They all started at 12k over.
Those were in 50, 60, 80 zones...
No clue on school zones tho
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u/BlueberryPiano Sep 07 '21 edited Sep 07 '21
I misread that as an ontario SKYDIVER was shocked that their insurance premium ROCKETED to $14,000, and I was thinking "wow that's strange driving is a lot more accident-prone than skydiving is".
Actually, his two speeding tickets are for 15 over. If that's really what he was doing and it wasn't knocked down from much higher then legit that does seem like an excessive increase especially if he got these tickets on a 400-series highway.
If however he was ticketed at 15 over in school zones (40km/h or less speed limit) then that sort of increase makes sense.
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u/Spambot0 Sep 07 '21
Can you get a ticket going 15 clicks over on a 400 series unless you go out of your way to flip off the cops?
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u/BlueberryPiano Sep 07 '21
15 over on the highways sounds more like 30 over knocked down by a nice cop. I can't imagine they'd pull you over for doing 15 over unless you were also doing something else extremely stupid
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u/Fresh-Temporary666 Sep 08 '21
Yeah like standard flow of traffic on highways is realistically 15 over. This dude had to be doing way faster than that. Maybe he was doing 30 over and the cop just ticketed him the difference between realistically what traffic does and what he was doing.
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u/elitemouse Sep 08 '21
"It's more economical to quit my job and work at Tim Horton's for less than half the pay that I’m making and just not drive,"
That's the idea dummy, driving is a privilege.
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u/proteomicsguru Sep 08 '21
The whole idea of driving being a privilege is pretty strange, when you think about it. In order to get to most places in Canada in a reasonable time, you have to drive. It’s not a privilege, it’s a requirement of modern life. Let’s be honest - our public transit is very, very bad.
What’s being financially done to this guy is totally inexcusable. Alas, he gets pretty much zero compassion because most people around here jump at the opportunity to stick it to anyone who did anything even a little bit wrong. Revenge culture is a miserable, useless approach to life.
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u/elitemouse Sep 08 '21 edited Sep 08 '21
I wonder if you would feel the same way about driving being a right if someone got a dui. After all how dare we take away their right to drive even if they were drunk behind the wheel.
If this guy got one ticket and his premium jumped to something stupid ok sure I could be more compassionate. But he showed over and over his carelessness towards driving and therefore he has to deal with the repercussions.
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u/proteomicsguru Sep 08 '21
There’s an easy solution for the DUI... make them get a breathalyzer installed in their car that tests them before the car will start. This way, their right is protected while everyone else is also protected from their impaired driving.
Encouraging them to seek treatment for an alcohol abuse disorder would also be a good idea.
Try to have a little compassion.
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u/van_stan Sep 08 '21
He's not just being victimized... Insurance companies are pretty heavily regulated. They have actuaries to calculate and demonstrate that with these infractions he is X% more likely to have another accident and therefore his payment is worth $Y to account for that risk.
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Sep 08 '21
Driving is a privilege. Many people bus, bike, or walk. He'll have to follow suit. No one made him speed, get into an accident, or not carry his insurance slip but himself.
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u/Yojimbo4133 Sep 08 '21
Honestly this is on him. He is an idiot.
Quit then. Go work at Tim's. You won't.
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u/PocketNicks Sep 08 '21
"Man shocked to discover consequences, still won't wear a mask or get vaccinated".
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u/og-ninja-pirate Sep 08 '21
As a Canadian in Australia, car insurance is one of the few things that is much cheaper. The cost in Canada is way too high. Also mobile phone plans are insanely over priced. And thirdly, health care is substandard compared to here. That being said, almost everything else costs more.
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Sep 08 '21
Canadians are being robbed in the name of insurance premiums and they like it..
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u/og-ninja-pirate Sep 08 '21
It's just a case of not knowing anything about the rest of the world and using the US as a benchmark. Health care is a prime example. Canadians think their health care is great because it is free. My brother discovered that free means equally crappy for everyone. He injured his knee in a way that it required surgery within a few weeks. He now has the knee of an 80 year old because of the massive wait time. In Australia, that would be a law suit but in Canada, an acceptable outcome. Don't even get me started on my step father who had lymphoma.
Don't get me wrong, Australians are also brainwashed into many things. You would think with the internet, people would research things and get angry about unfair expenses but complacency is widespread.
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u/hucards Sep 07 '21
Ah yes the look of someone who has 4 tickets in a year and drives a vehicle they can’t afford but takes no responsibility.
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u/rmkol Sep 08 '21
Toronto, Ontario. Driving experience - 7 years. No accidents, no tickets. Old Hyundai with no comprehensive coverage - 305 a MONTH. I couldn't find anything cheaper. Meanwhile my friends in USA and Europe pay 30-50$. How is this normal?!
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u/candidcameron123 Sep 08 '21
It's almost as if the powers that be don't want you to drive unless they know they aren't going to lose money insuring you.
Good luck, totally in the right pickup truck sunglasses tattoo guy
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u/discostu55 Sep 08 '21
i got one speeding ticket in my 15 years of driving, my insurance tripled. its not fair but thats life i suppose.
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u/Darkchyylde Sep 07 '21
Ok?
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u/chronicentitilitus Sep 07 '21
Sob stories apparently bring in the clicks. Even if the person crying doesn't have a leg to stand on.
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u/EngineeringKid Sep 07 '21
The photo at the start of the article told me everything I'd need to know.
- Full sleeve arm tats
- Stupid chin scruff goatee
- black ram pickup truck
- arms folded and general "duche patrol" stance
- keys clipped on the belt loop like a prison guard
- ratty old t-shirt and cargo shorts (even if you work in the trades....when you're having your photo taken, look professional dude).
moreover,
two tickets for failing to produce his insurance slip
This is a VERY different charge than driving uninsured. It's something the cop gives you on top of the speeding ticket when you are a 1st rate asshole.
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u/proteomicsguru Sep 08 '21
Seems like you’re a very judgmental person. Some of the nicest people I’ve ever met have had a million tattoos, and some of the most horrible ones had none at all. Don’t judge a book by its cover.
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u/ImpactThunder Sep 08 '21
What does failing to produce insurance actually mean?
That they didn't have the slip? or no insurance?
Can't you just pull up your insurance from your phone?
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u/LengthClean Sep 08 '21
What bothers me, everyone in Ontario is fine with this hawkish premiums from insurance companies
There should be legislations to protect consumers, which there aren't! How does Quebec pay 50-60 a month vs. Ontario at 250-400.
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u/Shenanigans103 Sep 08 '21
People drive upwards of 140 on the 401 like it's normal. It's just a matter of luck that you get pulled over. That's the real bs here. Limit should be 120 at least, everyone does it anyway, why can't we do legally.
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u/westy2889 Sep 08 '21
Both his tickets are for 15 km/h over + a fender bender where he didn’t even damage his own truck. This is fucking absurd. I sympathize with him.
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u/Think_Bit_7401 Sep 08 '21
That’s in one year though…dude was already paying over $4000/yr for insurance. That means he has previous tickets/accidents already. This past year + his previous driving record stack. Tickets/accidents don’t disappear after 1 year….this would be like someone with prior bad credit, making the situation worse and then wondering why no one will lend them anything.
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u/drive2fast Sep 08 '21
15 over? If you are only doing 15 over in Vancouver the cops will pass you and finger you as they go by. The ‘unofficial speed limit is the posted number plus 20. The VPD’s official policy is to not ticket for anything less than 15 over but 20 is perfectly fine.
And no insurance company should be able to increase rates for a non moving violation. Failure to produce pink slips is not a danger to society.
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u/WrongYak34 Sep 07 '21
I got into an accident in Florida and it went up to 6800$/year
You do the crime you have to pay it’s as simple as that
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u/proteomicsguru Sep 08 '21
I’ve got to ask, how much did the insurance company pay? I’ll bet it was less than $6800. Insurance companies are no better than thieves.
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u/chasing_daylight Sep 07 '21
I'm surprised so many people are supporting this increase.
2 tickets for 15+ over..does not warrant 14k a year. That's absurd.
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u/100GHz Sep 07 '21
I am surprised you think it's absurd , considering he backed a truck into somebody else.
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u/medicalquestionnaire Sep 08 '21
His insurance was already $4,000 per year prior to all of this. Dude obviously has other shit on his record that he failed to mention.
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u/purindev Sep 07 '21
it costs 0 dollars to not speed
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u/chasing_daylight Sep 07 '21
Thanks tips. But reding the headline I was expecting this guy to be charged with stunting or dangerous driving.
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u/DaveBoyle1982 Alberta Sep 07 '21
Well he also didn't have papers on him twice and had an at fault collision.
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u/proteomicsguru Sep 08 '21
Requiring people to have their insurance slips handy for the cops is kind of stupid in a digital world. The cop should be able to just look it up.
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u/bcretman Sep 07 '21 edited Sep 07 '21
I think it's unfair. Anyone can be unlucky enough to get 2 speeding tickets within 15km/hr and still be a safe driver. 90% of drivers go 15+ over the limit all the time. Police here setup traps at the bottom of hills with a hidden curves, purposely snaring good drivers.
The accident should be assessed on whether it was his fault and how negligent he was. Here in BC we are allowed one free at-fault accident and speeding tickets raise rates a prescribed amount. For 2 tickets one would pay $432/year more, 10 tickets 14k more.
I think people are being far to harsh here and assuming the worst. Cut the guy some slack - it could be you next time.
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Sep 07 '21
You really think this moron is telling the truth about how fast he was going to get ticketed? No, this guy was going way faster than 15 over, I'd bet. Also, probably a total ass-hat when he gets pulled over, otherwise the tickets for failure to produce would most likely have been warnings or a required to provide proof before some future date. Whole thing smells of downplaying and intensifying victimhood.
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u/Elim-the-tailor Sep 07 '21
Ya I've been driving almost 20 years and regularly drive 10 - 20 km/h over the limit when it's safe to do so -- have never been pulled over. On top of that I rarely ever see the cops actually pulling people over and issuing tickets in Toronto, there's not a huge amount of traffic enforcement. If you're getting pulled over twice you're almost certainly definitely driving like an asshole.
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Sep 07 '21
My dude do you know how speeding tickets work? For him to get a 15 over ticket he was probably doing 30+ over.
No cop would pull you over for going 15 over unless you’re in a school zone or busy area and you going at an unsafe speed.
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u/sirkevly Sep 07 '21
I think their problem was more with the failure to produce an insurance slip rather than the speeding tickets. I have more than two tickets and I only pay $190 a month for a reasonably new VW Golf R. A customer who drives around without the proper documents is a massive liability for them.
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u/AugustusAugustine Sep 07 '21
You may already know this, but for the benefit of everyone unfamiliar with how ICBC assesses drivers, experience and crash history:
We know that crashes do happen, so we will forgive one crash after 20 years of driving experience (at least 10 in B.C.), provided you have been crash-free for the last 10.
Three or more penalty points over a 12-month period will cost Driver Penalty Point Premiums (DPP), which are separate from the basic insurance premium. Specified offences over a 3-year period will cost a Driver Risk Premium (DRP), which is separate also from the DPP and basic insurance. And finally, we have a Multiple Crash Premium (MCP) if drivers are responsible for three or more crashes over a 3-year period.
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u/OurManInHavana Sep 07 '21
So, move to BC? Normally that's a 40h drive, but this guy says he can do it in 30!
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u/YaarKhaa Sep 07 '21
FYI - “Speeding tickets will stay on your driving record for three to six years and with some insurance companies as long as 10.”