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Car Insurance Question  I received a speeding ticket in New York doing 81 in a 65 zone. However I live in Ontario. First, does this ticket affect my insurance in Ontario?. Second, approximately how much will the fine set me back?

According to the Ontario Ministry of Transportation drivers licensed in Ontario that are convicted of a driving related offence in the State of New York, the State of Michigan or any Canadian province or territory, will have home jurisdictional penalties such as demerit points and/or suspensions applied to their Ontario driver record as if the offence occurred in Ontario.

Examples of out-of-province convictions where Ontario demerit points and /or suspensions will be applied include traffic offenses of:

  • Speeding
  • Fail to obey stop sign
  • Fail to obey signal light
  • Fail to stop for school bus
  • Racing
  • Fail to remain or return to the scene of a collision

Criminal offenses including:

  • Motor manslaughter
  • Criminal negligence
  • Dangerous driving
  • Failure to remain at scene of a collision
  • Impaired Driving
  • Driving while disqualified or prohibited

So it would appear that your New York speeding ticket will be placed on your Ontario driving record and be assessed demerit points. For 16 to 29 km/h it is 3 points and 16 mph over the limit would fall into this category.

Since your insurance company will see this NYS speeding ticket on your driving record it could affect your Canadian auto insurance. You should speak with your insurance agent to find out if according to your insurer's rating system this one ticket will affect your rates or if this ticket will not affect you but subsequent tickets might.

To find out the amount of your fine for the NY speeding citation you will need to contact the court listed on your ticket. The clerk of the court should be able to tell you the amount of the fine and any other penalty or fees associated with this moving violation.

The New York Department of Motor Vehicles says if you have received a citation to follow the instructions on the traffic ticket, or contact the traffic court or Traffic Violations Bureau listed on the ticket.

You must respond to the ticket to prevent a suspension of your driver license or driving privileges. Local courts handle traffic tickets for moving violations in most parts of New York State. The DMV Traffic Violations Bureau (TVB) only handles non-criminal moving violations in certain areas of the State, such as in the five boroughs of New York.

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This car insurance question was asked on 4/29/2007
This auto insurance answer was last updated on 5/4/2007
J requested this car insurance solution.
Rated 2 out of 10 based on 1 vote.
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