How to Fight Driving Without Insurance Charges

When you are facing a charge of driving without insurance or permitting someone to drive without insurance, you are subject to some potentially devastating penalties.  There are a number of options for you to consider when it comes to how to handle the situation.  For this particular charge, the details matter quite a bit.  Did you actually have insurance?  If not, how long were you without it?  Do you have insurance now?  Often times, these things can make a big difference.  Ultimately, you can choose to plead guilty and accept the penalty or attempt to fight it.  By fighting it, you may be able to have the fine reduced, but this is a complicated strategy that must be handled very carefully. 

We can defend you against Driving with No Insurance charges anywhere in Ontario.  It is best to consult us about what the likely outcome will be so that you are not stuck with the extremely high potential penalties.   As monthly insurance premiums in Ontario continue to rise, it may seem like driving without insurance is the only option. However, the liabilities and penalties associated with Driving with No Insurance are much worse than those monthly payments.  Accordingly, the penalties are extremely high for this offence which is why it should not be taken lightly.

What is the Penalty for Driving Without Insurance?

• Minimum Fine:  $5000.00 + 25% surcharge = $6250.00  (First Offence)
• Maximum Fine: $25,000.00 + 25% surcharge = $31,250.00 (First Offence)
• Licence Suspension: Up to 1 year
• Penalties double on subsequent offences

Will a conviction affect my Insurance Rates?

Even if you do not have insurance at the time of the offence, being convicted of Driving with No Insurance can dramatically increase your insurance rates when you apply in the future.  Insurance companies may request a driver’s abstract for the previous 5 years prior to approving you.TEXT YOUR TICKET

Can I still be charged with No Insurance if I was not driving?

Yes.  If it is determined that you permit someone to drive the vehicle without insurance on it, then you will be charged.  If you tell the police that the person driving it knew that it did not have insurance, then they could also be charged.  The penalties for both of these offences is the same.

What is a “Reverse Onus Offence”?

Driving without insurance offences are one of the few “reverse onus offences” that we deal with.  A reverse onus offence is a legal situation where the burden of proof shifts from the prosecution to the defendant. Instead of the prosecution proving the defendant’s guilt, the defendant must prove their innocence or meet certain conditions to avoid legal consequences. Basically this means that you will be expected to prove that you DID have insurance, rather than the prosecutor needing to prove that you did not.

How can Ticket Shield help you fight your Driving with No Insurance Charge?

Driving Without Insurance offences are complicated.  This is not only because the penalty is high and the details around the law are complex, but the defence strategy that is used is typically a bit different than with other cases.  It is important that you have a representative that is experienced with these cases because the outcomes can be extremely varied.  We will always spend the necessary time on your case with the purpose of eliminating the charges completely by having them withdrawn or dismissed. If this is not possible, we will negotiate with the prosecutors to avoid the extremely high fines and potential licence suspension that come with this charge.

We are available to speak with you for a FREE consultation at 1-855-561-3699 toll-free, email us at [email protected] OR Request a quote online: Here.

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