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QuestionInsurance Question  I live in Ontario, Canada and got a traffic ticket in Oregon for 18 mph over with $145 fine. Will that affect my points and insurance? Should I pay for the fine?

AnswerAuto Insurance Answer

According to the information we were able to gather, all provinces in Canada have a reciprocal agreement with Ontario regarding moving violations. Some resources state that Ontario has agreements with 41 states, including Michigan.

We spoke with an MTO representative today. She said that their current reciprocal agreements for posting tickets from the US to a Canadian driving record were with Michigan and New York, a deal may be worked out with Florida. The Ontario courts or MTO share Ontario traffic tickets with Michigan and New York. She said they may still inform licensing agencies of other states that were not reciprocal states but she couldn't confirm if it was done regularly for any states other than MI and NY.

If the Oregon speeding ticket is placed on your Ontario, Canada driving record, then your insurance company could see if the next time they pull your MVR and thus your rates may be affected.

We would always advise for a driver to comply with a moving violation by either paying the fine, fighting it in court or another legal remedy. Without taking care of a ticket that is received out of state or even out of country there is the chance that the state that issued the citation will come after you and affect your license. Plus if you have a failure to appear on your record in Oregon it could affect your driving privileges if you travel there again, plus if you do pay the find after the court date the fine and court fees are likely to be higher than if you paid on time.

The Ministry of Transportation (MTO) for Ontario may be able to give you more information on the reciprocal agreements they have with various states and how a ticket in Oregon could affect your license in Ontario.

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