Inquiry: I was pulled over November 2012, and given a ticket for my license being expired. Officer informed me that if I went to the MTO the next day, that they would drop the ticket. I did, and called in as requested to the station, and the person on the phone said that they could see it, and it would be dropped. Apparently a notice of license suspension was mailed to me in March 2013, right at the time that I was moving, so I did not receive it. I was later pulled over in September 2013, and issued a ticket for driving with a license under suspension, stickers out of date, and failure to update my address. I paid my ticket, updated all of my information immediately, and appeared in court. They are now questioning my insurance validity, and have rescheduled that for November 2013. I am concerned,  my Insurance cancelled my policy, which I was unaware of, as the Broker that set it up had the completely wrong address on file, which I never noticed,  the renewal forms were sent back RTS. Once this was realized, it was rectified immediately – but now I can’t produce proper documentation that I had insurance –  I didn’t have any! Can they ask for this after the fact? And should I seek representation for this, as I have read that it’s a minimum fine of $5,000, which I can’t afford!

Response:  The set fine for a first offence of OPERATE M/V – NO INSURANCE ranges from a minimum $5,000.00 to a maximum $25,000.00 plus the flat 25% victim fine surcharge.  There is also a discretionary licence suspension up to one year.  Given the serious penalties involved you may wish to obtain legal representation.  If you would like to speak with one of our staff, we offer a no-cost initial review of matters via our toll-free number 1-866-801-8299.

Greg Currie
Office Manager (London)