No Insurance Defence
Charged with driving without insurance in Ontario? $5,000-$25,000 fine at stake. Expert defence strategies available. Free consultation in London.
Frequently Asked Questions
What is the penalty for driving without insurance in Ontario?
First offence: $5,000-$25,000 fine, licence suspension, and vehicle impoundment. Second offence: $10,000-$50,000 fine, possible jail time up to 1 year, and licence suspension up to 1 year. This is one of the most serious Highway Traffic Act offences.
Can a no insurance charge be dropped?
Yes, if you can prove you had valid insurance at the time of the offence. This could include a lapsed policy that was retroactively reinstated, a valid pink slip you couldn't produce at the time, or proof the vehicle was properly insured under another policy.
What if I didn't know my insurance had lapsed?
Unfortunately, not knowing your insurance lapsed is not a valid defence. However, we can often negotiate with prosecutors to reduce the fine significantly, especially for first offences where insurance was quickly obtained afterward.
How long will this affect my insurance?
A traffic conviction typically affects insurance rates for 3 years from conviction date. Impact varies by insurer and offence. Fighting often costs less than long-term insurance increase.
Contact Legal Assist
Legal Assist Paralegal Services — Licensed by the Law Society of Ontario. Serving London, Ontario and Southwestern Ontario. Call 226-272-5153 or email jeanfrancois@legalassist.london for a free consultation.