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Driving without insurance

Friday, October 31st, 2014

It is illegal to drive a motor vehicle that is not insured. The law requires that every motor vehicle be insured with at least third-party liability coverage. It is the driver’s responsibility to ensure he or she is properly insured.

If you are stopped by the police, you must show them your insurance card if they ask for it. If you do not have your insurance card with you, as a courtesy the police will sometimes give you 48 hours to go to the police station and show them your card, but they have no legal obligation to do this.

The penalty for driving with no insurance in Canada ranges from $5,000 to as much as $25,000 in some provinces. Your licence could be suspended for up to one year and your car could be impounded for three to six months.

It is very difficult to defend yourself if you are charged with driving with no insurance. It is no defence that you thought you were insured or that you did not know you had to be insured, although that may help reduce the amount of fine imposed. Also, if you are involved in an accident you may have to personally pay for injuries and damages. If you do not have enough money to pay these costs, you may be forced to sell some of your property. If you do not have any money or any property that you could sell, then the people who were injured in the accident may not be able to get the medical attention they require.

It is very important that you make sure that your vehicle is insured.

For more information on the penalties of driving without insurance, visit your provincial or territorialMinistry of Transportation.

Source: Legal