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No Insurance 

Apr 20, 2022

No Insurance 

Did you know if you are caught driving without insurance in Ontario, you will be fined or face other penalties?

Here is what you need to know about the fines for driving a vehicle without valid car insurance in the province.

Section 3 of the CAIA outlines the penalty :

(3) Every owner or lessee of a motor vehicle who,

  1. contravenes subsection (1) of this section or subsection 13 (11); or
  2. surrenders an insurance card for inspection to a police officer, when requested to do so, purporting to show that the motor vehicle is insured under a contract of automobile coverage when the motor vehicle is not so insured, is guilty of an offense and is liable on a first conviction to a fine of not less than $5,000 and not more than $25,000 and on a subsequent conviction to a fine of not less than $10,000 and not more than $50,000 and, in addition, his or her driver’s license may be suspended for a period of not more than one year.

In addition to fines, there are other penalties for driving without insurance. They include :

  1. Suspension : You could face a driver’s license suspension for up to one year.
  2. Impound : You could have your vehicle impounded for up to three months.
  3. Additional fees : The Provincial Offense Act tacks on an additional 25% surcharge to your fine.