Driving Without Insurance in Canada – Fines and Penalties

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In Canada, it is against the law to drive without carrying active insurance. Every province and territory in Canada require you to have a minimum of third party liability insurance coverage. The penalty for driving without insurance may be in varied in the different provinces. When a peace officer stops you and asks for the certificate of insurance, you must provide it. Even if you have insurance on your vehicle but failed to carry a copy then you may pay a fine. It may include heavy penalties, jail time, vehicle impoundment, license suspension etc.

When you cause an accident and do not have valid insurance then that could severely set you back financially. You could only imagine if someone sued you for an accident and you had no insurance, how much you end up paying in legal costs over the years. The court may even attach any property you may have to pay for the property damage and injury expenses of your victims. Also, you may have to replace or repair your vehicle too, if you intend to drive again. Repeat offenders of driving without insurance may face jail time and convictions that could go a long way and adversely affect you.

Alberta

In Alberta, you have to buy auto insurance from a private insurance company if you drive or own a vehicle. There is no provincial insurance. The insurance system is based on tort as well as no-fault basis determines the right to sue and accidental benefit coverage limit. You must have liability coverage for at least $200000 as per law. When you are in a collision and the other driver has no insurance then the MVAC steps in to compensate for the losses. The Motor Vehicle Accident Claims Program is run by the Justice Department.

If you drive without insurance then you may pay a penalty of $2500 to $10000 for the 1st offense and a 15% surcharge. The second time you may pay from $5000 to $20000 and a 15% surcharge. When you get caught driving without insurance many times you may even spend time in jail up to 60 days and a suspension of your license.

British Columbia

You may purchase mandatory vehicle insurance from ICBC, Insurance Corporation of British Columbia as well as additional cover from private insurers. This must include at least $200000 liability coverage. When you are caught without insurance and driving then you may pay a fine of around $598 as you violated Motor Vehicle Act 24.3.b. Even if you have insurance but did not carry it with you when you were driving you may pay $81 fine.

Manitoba

In Manitoba, you must purchase liability, accident benefits and uninsured auto insurance from Manitoba Public Insurance and may get additional coverage from private insurers. You must carry at least $200000 liability coverage to drive in Manitoba. If you drive without insurance in Manitoba it is a traffic offense under MVA 76.1.1 and 226.1. The fine amount could vary from $5000 to $25000 with a suspension of driver license and they may impound your vehicle.

New Brunswick

In New Brunswick, you must purchase auto insurance through a private insurer and it must include at $200000 in liability coverage. There is no provincial insurance. If you drive without insurance then it is a traffic offense under MVA 17.1.2. You may pay a fine anywhere from $500 to $2000, face jail time and suspension of license.

Newfoundland & Labrador

You may purchase auto insurance coverage from private insurers and this must include at least $200000 liability coverage. This region does not have provincial insurance. The traffic court division in Newfoundland & Labrador charges drivers without insurance. You may pay a fine of around $2000 to $4000 for the 1st offense and the next offenses the fines could be more. It may range between $3000 and $5000 and is a violation of MVA 75.1 and 75.2.

Nova Scotia

In Nova Scotia, you may buy vehicle insurance from private insurers and there is no public insurance. The coverage for mandatory liability insurance is pretty high and is at least $500000. The penalty for the 1st time offense for driving with no insurance is around $2000 to $4000 and thereafter it would increase to $3000 to $5000. Also, they may suspend your license and impound your vehicle for ninety days. When you do not have an active insurance while driving it is a violation of MVA 204.1.

Ontario

In Ontario, it is a traffic offense to drive without insurance that invites hefty fine. You may buy insurance only from private insurance companies. For the 1st offense of driving without insurance, you may pay fine around $5000 to $25000 and thereafter, it increases to $10000 to $25000. In addition, you may pay 25% surcharge to the court, the license may be suspended for up a year. If you fail to produce current insurance on your vehicle then it is a violation of Insurance Act 3.1. and 2.1.a.

Prince Edward Island

violation

In Prince Edward Island if you do not have insurance while driving it is a violation of MVA 324.4 and may invite a fine amount around $600 to $2000. The minimum amount for liability coverage is $200000 and you may purchase from a private insurance company. There is no public insurance.

Quebec

In Quebec, you must purchase insurance from a private insurance company and through Société de l’assurance automobile du Québec. The mandatory coverage for civil liability is $50000. If you are caught with no insurance then you may pay fine worth several hundreds of dollars. In case you cause an accident that damages property worth more than $500 then you may lose your license.

Saskatchewan

In Saskatchewan, you must purchase auto coverage from the province, the SGI, Saskatchewan Government Insurance. You must carry liability coverage of minimum $200000. For driving without insurance you may pay a fine of $1000 onwards and they may also suspend your license.

Northwest Territories

You must purchase at least $200000 liability coverage from private insurance companies in Northwest Territories and there is no public insurance. If you are caught you may pay a fine of around $500 to $5000 and also may spend jail time.

Yukon

In order to drive, you must buy auto insurance from a private insurance company in Yukon. It t must include minimum $200000 liability coverage. There is no public insurance. If you get caught driving with no insurance then for the 1st offense you may pay a fine around $400 to $2000. You may spend jail time up to ninety days and they may impound your vehicle for 30 days. The next time you may pay around $750 to $2000 fine and they may impound your vehicle for 60 days for the same offense. For a 3rd offense, they may impound your vehicle for 120 days and you may also pay a fine.

Nunavut

You must buy auto insurance from a private insurance company to drive in Nunavut. It must include minimum $200000 liability coverage. There is no public insurance. If you have been driving with no insurance then you are violating section 144.38.1 of the Insurance Act.

What Are The Long-Term Implications of Driving With No Insurance

A traffic violation as serious as driving without insurance could affect your driving records severely. This stays on the record for a few years and when you apply for insurance, your insurer may have access to your driving record and your violations. Certain provinces and states may also share information regarding your driving violations. The task of getting car insurance would be more costly after such a traffic violation and you may pay exorbitant rates or may even be denied coverage. If you are caught driving without insurance then you may not be convicted under the criminal code. However, if you drive without insurance and cause a fatal collision then you may even face a criminal charge. And, you may be charged with violating the provincial motor acts as per each region’s regulation.


Resources:

https://www.gov.mb.ca/justice/fines/pdf/brownbook.pdf

http://www.madd.ca/english/research/Yukon.pdf


 

 

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