When does insurance see tickets? conviction or issue date? - #1 Car Club In Kitchener - Waterloo - Cambridge

**ids748** · 06-15-2007, 08:22 PM

Alright I just got off the phone with bell air direct as an anonymous caller. They said that if I have been ever issued a ticket then ITS on their records and they can see it EVEN if I haven't gone to court yet.

I remember at least a cpl times reading here on the boards that insurance doesn't find out till you get convicted.

Its too late to go and get a drivers abstract today and hoping someone can answer this today.

**Pharaoh** · 06-15-2007, 08:48 PM

That is crap, it does need to be convicted for them to see it.

**AdamCL** · 06-15-2007, 10:13 PM

^^^nope

they can see it as soon as u get it, but they can't put it on ur record til ur renewal date

i only know cuz they tried to drop me before renewal cuz the KNEW the racing ticket was going to be on...in the end they kept me only for me to drop them cuz i sold the car...

also, i get my information from an automobile underwriter, my mom

**ids748** · 06-15-2007, 10:27 PM

^ Oh really i never knew that......thanks man..........

What if the TICKET GETS DROPPED in court?

**AdamCL** · 06-15-2007, 10:59 PM

^^^if u dont get convicted then it doesn't go on ur insurance

you have to remember, insurance doesnt give a shit what the ticket is for, they see it as, minor or major offence and charge u accordingly...

IE, racing means a 100% surcharge
where as, muffler tickets don't mean shit unless u have a lot of them

**chodoctr** · 06-15-2007, 11:02 PM

when I got my big ticket a long tme ago, it was counted as being on my record as of the date convicted iin court...

**mx6onpsi** · 06-16-2007, 12:35 AM

I've heard a little secret, not sure if it works though.

a ticket never goes onto your abstract till its closed. so when you get a ticket, pay it but pay an extra $5. they will send you a cheque for $5 sometime later but don't cash the cheque, that keeps the ticket open thus not going on your record.

I've heard it from a few people, two of which being cops (uncle and a random man I know)

**BlueFamilia** · 06-16-2007, 03:29 AM

^ I've heard this, true story?

**Jedi_Car_Fan** · 06-16-2007, 07:37 AM

tickets hit your record/abstract once they've been paid.

so if I get a ticket today and I pay it monday, the ticket hits my record on money BUT insurance will not bump up your rate until you re-new because they cannot change they rate half way throu etc...

so if your insurance was issued say Jan 07 and you have a 6 month policy which would be up june so as of july 1st, the ticket would be on your insurance record and your rates would go up.

**Riddle_Rob** · 06-16-2007, 08:36 AM

Quote:

Originally Posted by mx6onpsi

I've heard a little secret, not sure if it works though.

a ticket never goes onto your abstract till its closed. so when you get a ticket, pay it but pay an extra $5. they will send you a cheque for $5 sometime later but don't cash the cheque, that keeps the ticket open thus not going on your record.

I've heard it from a few people, two of which being cops (uncle and a random man I know)

Apparently true but who knows. Everyones been spreadin that secret like wildfire. Now, if everyone keeps doing it what do you thinks going to happen? Obviously it's not going to work. IMO if its paid, its paid and you are convicted we dont care when you get your $5 back.

**blkrx7** · 06-16-2007, 10:32 AM

Urban Legends Reference Pages: Overpaying Traffic Tickets

**Pharaoh** · 06-16-2007, 10:35 AM

^^^that article is geared towards the US, can we be sure that works here too?

**96escortlx** · 06-18-2007, 11:31 AM

I know for a fact that it's from the date you pay it. I had this problem when I got my new insurance as one hadn't cleared off (because my court and payment was almost a year after) so I still had 3 tickets on my record so I was still high risk. This can work in your favour though. If I got another ticket, even 15 over, I would fight it just so taht I would have one of my other tickets off my record and wouldn't be high risk when it goes through.

**Shred** · 06-18-2007, 11:59 AM

The over payment method does not work.

The ticket is on your record once your convicted but the insurance company can see that one has been issued.

**ids748** · 06-18-2007, 03:12 PM

THIS IS retarded. I just came from the MTO they said I need a Safety and E-test to transfer ownership from my dads name to my name.

More crap I gotta pay for. I thought transferring between family was free dammit It doesn't say on the paper the "SWORN STATEMENT FOR A FAMILY GIFT OF A USED MOTOR VEHICLE IN THE ONTARIO" that i need a safety and etest.

I'm pretty sure its gonna pass both no problems but this is BS.

**Pharaoh** · 06-18-2007, 04:05 PM

^^^even though it is a gift, they do it for safety reasons, it is switching hands.......they need to make sure it is legally drivable....

**Slawek** · 06-18-2007, 05:14 PM

conviction date.
Go to one of those ontario driver licensing kiosks, print out an abstract of your record and you will see what they see.

**ids748** · 06-18-2007, 10:12 PM

IN that case i will go get an abstract tomorrow.

on another note anyone know where i can get a safety and etest after 6:00 PM monday - friday?

**96escortlx** · 06-18-2007, 10:33 PM

I don't think it will be at all possible to get an e-test after 6pm... but I do know that there's a 24 hour garaage on Highway 24 just outside of Simcoe and one either on King or Main in Hamilton right downtown. You should be able to get a safety from either of them.

**Oldsy** · 06-18-2007, 11:33 PM

Quote:

Originally Posted by mx6onpsi

I've heard a little secret, not sure if it works though.

a ticket never goes onto your abstract till its closed. so when you get a ticket, pay it but pay an extra $5. they will send you a cheque for $5 sometime later but don't cash the cheque, that keeps the ticket open thus not going on your record.

I've heard it from a few people, two of which being cops (uncle and a random man I know)

not ture... tired it and never worked........

**AdamCL** · 06-19-2007, 06:09 PM

Quote:

Originally Posted by ids748

THIS IS retarded. I just came from the MTO they said I need a Safety and E-test to transfer ownership from my dads name to my name.

More crap I gotta pay for. I thought transferring between family was free dammit It doesn't say on the paper the "SWORN STATEMENT FOR A FAMILY GIFT OF A USED MOTOR VEHICLE IN THE ONTARIO" that i need a safety and etest.

I'm pretty sure its gonna pass both no problems but this is BS.

im pretty sure u just don't have to pay the transfer fees which, is like 25 bucks or something and then no taxes on it...(<<<big guess, its been a while since my rents talked about giving me their Jetta)

u still got safety and etest it...

**SPOC** · 06-21-2007, 10:21 PM

Tickets only show up on your drivers licence history when they have been registered as a conviction though the courts. So if you pay the ticket (check off the 'guilt box and pay the fine) or you fight it and are found guilty, then there is conviction registered and it will show up on your licence history.
The Driver's Licence history is what insurance companies look at. And they have to pay to inquire into your licence history, its not an automatic notification from the ministry.
The only other ways they can find out if you have been charged would be:
1) If you call and tell them (very honest people, who have way too much cash)
2) You are involved in a reportable collision, they will find out when someone files a claim.
3) A police officer inquires to see if a vehicle is actually insured (fail to have insurance).

**ids748** · 06-22-2007, 08:16 AM

we'll it doesn't matter I disclosed to the insurance company i have a second ticket issued but not convicted that way they can't screw me for non-disclosure.

they based my premiums on 1 ticket.

Saving about 800 bux switching companies and getting the car in my name.

Passed safety and e test yesterday and blew a damn headlight this morning! What BS!

06-15-2007, 08:22 PM	#1 (permalink)
ids748 VM Member Posts: 685 Location: Kitchener, Ontario Join Date: Feb 2005 Ride: 98 Honda Accord 2DR Fav Mod: Class:	When does insurance see tickets? conviction or issue date? Alright I just got off the phone with bell air direct as an anonymous caller. They said that if I have been ever issued a ticket then ITS on their records and they can see it EVEN if I haven't gone to court yet. I remember at least a cpl times reading here on the boards that insurance doesn't find out till you get convicted. Its too late to go and get a drivers abstract today and hoping someone can answer this today.

06-15-2007, 08:48 PM	#2 (permalink)
Pharaoh I Do Not Live In A Pyramid!! Posts: 1,572 Location: Kitchener, Ontario Join Date: Apr 2005 Ride: 2000 Mitsubishi Eclipse GS Fav Mod: Custom Stereo Class: Street	That is crap, it does need to be convicted for them to see it. ------------------ www.psaclub.net Power<>Style<>Autosport

06-15-2007, 10:13 PM	#3 (permalink)
AdamCL VM Member Posts: 5,354 Location: Kitchener Join Date: Apr 2005 Ride: 2002 Dodge Intrepid ES Fav Mod: Class: Street	^^^nope they can see it as soon as u get it, but they can't put it on ur record til ur renewal date i only know cuz they tried to drop me before renewal cuz the KNEW the racing ticket was going to be on...in the end they kept me only for me to drop them cuz i sold the car... also, i get my information from an automobile underwriter, my mom ------------------ 1997 Volkswagen Golf CL - SOLD 1994 Volkswagen Jetta GL Turbo Diesel - RIP I have 3.5 Litres at my disposal, I'd like to use them all!

06-15-2007, 10:59 PM	#5 (permalink)
AdamCL VM Member Posts: 5,354 Location: Kitchener Join Date: Apr 2005 Ride: 2002 Dodge Intrepid ES Fav Mod: Class: Street	^^^if u dont get convicted then it doesn't go on ur insurance you have to remember, insurance doesnt give a shit what the ticket is for, they see it as, minor or major offence and charge u accordingly... IE, racing means a 100% surcharge where as, muffler tickets don't mean shit unless u have a lot of them ------------------ 1997 Volkswagen Golf CL - SOLD 1994 Volkswagen Jetta GL Turbo Diesel - RIP I have 3.5 Litres at my disposal, I'd like to use them all!

06-15-2007, 11:02 PM	#6 (permalink)
chodoctr VM Member Posts: 812 Join Date: Nov 2005 Ride: 1990 Nissan 300zx Twin Turbo Fav Mod: Class:	when I got my big ticket a long tme ago, it was counted as being on my record as of the date convicted iin court... ------------------ 1990 Nissan 300zx Twin Turbo - new stereo comin this spring! 2007 Pontiac Grand Prix 2004 Honda Pilot EX-L

06-15-2007, 10:27 PM	#4 (permalink)
ids748 VM Member Posts: 685 Location: Kitchener, Ontario Join Date: Feb 2005 Ride: 98 Honda Accord 2DR Fav Mod: Class:	^ Oh really i never knew that......thanks man.......... What if the TICKET GETS DROPPED in court?

06-16-2007, 12:35 AM	#7 (permalink)
mx6onpsi VM Member Posts: 674 Join Date: Jan 2007 Ride: 1990 MX-6 GT Fav Mod: 3" side exit Class: Street	I've heard a little secret, not sure if it works though. a ticket never goes onto your abstract till its closed. so when you get a ticket, pay it but pay an extra $5. they will send you a cheque for $5 sometime later but don't cash the cheque, that keeps the ticket open thus not going on your record. I've heard it from a few people, two of which being cops (uncle and a random man I know) ------------------ When you get a new car, and you feelin' like a star, whatcha gonna do? Ghostride the whip!

06-16-2007, 03:29 AM	#8 (permalink)
BlueFamilia VM Member Posts: 3,213 Location: Kitchener. Join Date: Mar 2004 Ride: 2003 Protege5 Fav Mod: Mazda hood deflector. Class: Street	^ I've heard this, true story? ------------------ Joey 2000 Civic EK Hatch 1995 Black S14 240SX

06-16-2007, 07:37 AM	#9 (permalink)
Jedi_Car_Fan VM Member Posts: 743 Location: Kitchener Join Date: Nov 2004 Ride: 92 S13 Hatch Fav Mod: Custom Exhaust Class: Street	tickets hit your record/abstract once they've been paid. so if I get a ticket today and I pay it monday, the ticket hits my record on money BUT insurance will not bump up your rate until you re-new because they cannot change they rate half way throu etc... so if your insurance was issued say Jan 07 and you have a 6 month policy which would be up june so as of july 1st, the ticket would be on your insurance record and your rates would go up. ------------------ S13 \| This \| That \| And more ----------------------------- Powder Coating - Ask me http://www.centurypowder.co.nr

06-16-2007, 10:32 AM	#11 (permalink)
blkrx7 VM Member Posts: 904 Location: K-Town Join Date: Mar 2004 Ride: 1992 Powerwheels Fav Mod: Class:	Urban Legends Reference Pages: Overpaying Traffic Tickets

06-16-2007, 10:35 AM	#12 (permalink)
Pharaoh I Do Not Live In A Pyramid!! Posts: 1,572 Location: Kitchener, Ontario Join Date: Apr 2005 Ride: 2000 Mitsubishi Eclipse GS Fav Mod: Custom Stereo Class: Street	^^^that article is geared towards the US, can we be sure that works here too? ------------------ www.psaclub.net Power<>Style<>Autosport

06-18-2007, 11:31 AM	#13 (permalink)
96escortlx VM Member Posts: 1,076 Location: Brantford, ON Join Date: Jun 2005 Ride: 1992 Honda Prelude 4WS Fav Mod: Apexi WS2 Exhaust Class: Street	I know for a fact that it's from the date you pay it. I had this problem when I got my new insurance as one hadn't cleared off (because my court and payment was almost a year after) so I still had 3 tickets on my record so I was still high risk. This can work in your favour though. If I got another ticket, even 15 over, I would fight it just so taht I would have one of my other tickets off my record and wouldn't be high risk when it goes through.

06-18-2007, 11:59 AM	#14 (permalink)
Shred VM Member Posts: 1,420 Location: Waterloo Join Date: Jun 2004 Ride: 1989 Nissan Skyline Fav Mod: Jimmy Class: Street	The over payment method does not work. The ticket is on your record once your convicted but the insurance company can see that one has been issued. ------------------ 1989 Nissan Skyline Gts-T(as in Turbo) Type M New car coming soon.

06-18-2007, 03:12 PM	#15 (permalink)
ids748 VM Member Posts: 685 Location: Kitchener, Ontario Join Date: Feb 2005 Ride: 98 Honda Accord 2DR Fav Mod: Class:	THIS IS retarded. I just came from the MTO they said I need a Safety and E-test to transfer ownership from my dads name to my name. More crap I gotta pay for. I thought transferring between family was free dammit It doesn't say on the paper the "SWORN STATEMENT FOR A FAMILY GIFT OF A USED MOTOR VEHICLE IN THE ONTARIO" that i need a safety and etest. I'm pretty sure its gonna pass both no problems but this is BS.

06-18-2007, 04:05 PM	#16 (permalink)
Pharaoh I Do Not Live In A Pyramid!! Posts: 1,572 Location: Kitchener, Ontario Join Date: Apr 2005 Ride: 2000 Mitsubishi Eclipse GS Fav Mod: Custom Stereo Class: Street	^^^even though it is a gift, they do it for safety reasons, it is switching hands.......they need to make sure it is legally drivable.... ------------------ www.psaclub.net Power<>Style<>Autosport

06-18-2007, 05:14 PM	#17 (permalink)
Slawek VM Member Posts: 4,474 Location: Sydney, Australia Join Date: Jul 2004 Ride: 1998 VW Golf CL Fav Mod: Class: Street	conviction date. Go to one of those ontario driver licensing kiosks, print out an abstract of your record and you will see what they see. ------------------ --- Down Under ---

06-18-2007, 10:12 PM	#18 (permalink)
ids748 VM Member Posts: 685 Location: Kitchener, Ontario Join Date: Feb 2005 Ride: 98 Honda Accord 2DR Fav Mod: Class:	IN that case i will go get an abstract tomorrow. on another note anyone know where i can get a safety and etest after 6:00 PM monday - friday?

06-18-2007, 10:33 PM	#19 (permalink)
96escortlx VM Member Posts: 1,076 Location: Brantford, ON Join Date: Jun 2005 Ride: 1992 Honda Prelude 4WS Fav Mod: Apexi WS2 Exhaust Class: Street	I don't think it will be at all possible to get an e-test after 6pm... but I do know that there's a 24 hour garaage on Highway 24 just outside of Simcoe and one either on King or Main in Hamilton right downtown. You should be able to get a safety from either of them.

06-21-2007, 10:21 PM	#22 (permalink)
SPOC VM Member Posts: 128 Location: Kitchener Join Date: Apr 2006 Ride: 2006 Ford Crown Victoria Fav Mod: LED light bar Class: Street	Tickets only show up on your drivers licence history when they have been registered as a conviction though the courts. So if you pay the ticket (check off the 'guilt box and pay the fine) or you fight it and are found guilty, then there is conviction registered and it will show up on your licence history. The Driver's Licence history is what insurance companies look at. And they have to pay to inquire into your licence history, its not an automatic notification from the ministry. The only other ways they can find out if you have been charged would be: 1) If you call and tell them (very honest people, who have way too much cash) 2) You are involved in a reportable collision, they will find out when someone files a claim. 3) A police officer inquires to see if a vehicle is actually insured (fail to have insurance). ------------------

06-22-2007, 08:16 AM	#23 (permalink)
ids748 VM Member Posts: 685 Location: Kitchener, Ontario Join Date: Feb 2005 Ride: 98 Honda Accord 2DR Fav Mod: Class:	we'll it doesn't matter I disclosed to the insurance company i have a second ticket issued but not convicted that way they can't screw me for non-disclosure. they based my premiums on 1 ticket. Saving about 800 bux switching companies and getting the car in my name. Passed safety and e test yesterday and blew a damn headlight this morning! What BS!