Inquiry:   I was in a minor fender bender, I was at fault. I hit the woman in front of me. I was at a red light, light turned green, she started to go, I started to go, she stopped, I didn’t. Going less than 10 km/h. There was little to no damage to her, as well as mine. The lady I hit called the cops. Cop told me he could charge me with careless said he didn’t feel that was the case and then got charged with “Fail to surrender insurance card” because the pink slip I had with me was an old one and not the current one. I am just seeking advice about whether I should count my blessings, accept and pay, or try to show proof of valid insurance and at least get the ticket dropped.

Response:  Fail To Surrender Insurance Card carries no demerit points, but does result in a record of conviction on the driving history.  These cases are all-or-nothing defences where either the charge will get thrown our entirely, or stand as issued at the end of the court process.  If you would like us to review your case in a little more detail, we can be reached via our toll-free number 1-866-801-8299.