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Demerit points - what are they?
- You don’t lose points, you accumulate them. You start at 0 and increase up the ladder.
- Demerit points are calculated by the Ontario Government and are used to administer driving licenses.
- Demerit points stay on your driving record for two years from the date the offence was recorded.
- Should you collect enough points, you could lose your license.
- Demerit points do not increase your insurance premiums.
- While the demerit points are calculated based on the same moving violations that can affect your insurance, they are used only to determine who is eligible to hold an Ontario driver’s license.
- When you accumulate enough points, your license gets suspended for 30 days and 60 days or 6 months for subsequent suspension if you are a new (NOVICE) driver.
- The suspenion time starts when you surrender your license. If you waited 10 days to surrender your license, the suspension starts on this day.
- Commercial Vehicle Operator Registration (CVOR). The CVOR system evaluates an operator based on the events on its CVOR record, including collisions, driver and operator convictions, CVSA inspections and the results of facility audits.
- The CVOR system automatically identifies an operator for review when poor safety performance is identified based on the operator's overall violation rate.
Your insurer cares about your driving record and calculates your premium based on any minor, major convictions or criminal convictions. This is your safety risk.
As a driver, you already know there are consequences for breaking the rules of the road - but do you know the difference between a minor and major infraction? Or how convictions can influence your insurance rates?
The top convictions which will dramatically affect your insurance rates:
- DUI: Driving under the influence or DUI has severe repercussions, including criminal charges and jail time. Plus, you can almost guarantee you will be labelled a high risk driver.
- Distracted driving : One of the most serious issues on the road today, distracted driving fines start at $490 and 3 demerit points in Ontario.
- Careless driving: A charge for careless driving in Ontario will get you 6 demerit points, fines starting at $400 and even the potential for jail time.
- Speeding over 50 kilometres above posted limit: This is a serious offense that could come with additional charges such as street racing, careless driving, and will increase your insurance rates immediately.
- Speeding in a school zone or construction zone : This is not only extremely dangerous, it comes with a hefty fine and will spike your insurance rates.
- Driving without insurance: This will make it very difficult to get insurance if you don’t have it. Expect your rates to go through the roof.
- Failure to remain at the scene: If you get into an accident, remain at the scene or you could face a large fine.
- Passing a school bus with its lights flashing : Never put children in harm’s way. If you get a ticket for passing a school bus, expect your rates to skyrocket.
Let URshield Legal Services help you.
Most common traffic convictions impacting demerit points
Six demerit points:
- Reckless driving
- Exceeding the speed limit by 50 km/h or more
- Street racing
- Not stopping for a school bus
- Four demerit points
- Exceeding the speed limit by 30-49 km/h
Three demerit points (major insurance):
- Distracted Driving
- Exceeding the speed limit by 16-29 km/h
- Driving the wrong way
- Driving on a closed road
- Driving through or around a railway crossing barrier
- Not obeying stop signs, traffic control signs or traffic lights
- Not yielding the right-of-way
- Refusing to obey a police officer
- Improper passing
- Improper use of HOV lanes
Two demerit points (minor insurance):
- Improper right or left turns
- Any prohibited turns
- Failure to obey signs and stop at pedestrian crossings
- Refusing to use your signal lights
- Going in reverse on a highway
- Failure to wear a seatbelt and ensure passengers under 16 wear seat belts
- Failure to ensure infants or children under 50lbs are secured or in a booster seat
The consequences for collecting demerit points depends on what type of license you have and how many points you’ve accumulated.
The information presented on this website is for informational purposes only and does not constitute legal advice. Please consult with a legal service provider (Lawyer or Paralegal) for advice about your individual situation. You may contact this office by way of electronic mail, telephone or in person. Please be advised that contacting the office through the website does not create a formal relationship with URshield Legal Services. A formal relationship is created when URshield Legal Services has been properly retained, by way of a duly executed retainer agreement, to act on your behalf. Until a formal relationship has been established, please withhold from sending any confidential information regarding your matter.