Hello,

I have a question here that I need an answer from insurance experts on the forum....

i got a ticket today for "failing to stop at the stop sign" when drving my girlfriend's car. (The owner of the car is her mom, precisely).

So here I am wondering whom the subsequent liability/lien of this conviction would fall under as it'd somehow affect the insurance premium ( i'd want it to fall under my name for obvious reason..).

also..is this ticket a 2 demerit point or 3 demerit points?
Any input are highly appreciated....

I am from Toronto, Ontario

 

I'm no expert, but I dun think u can drive someone else's car without being a secondary driver on their insurance plan(i.e. ur gf's mom), that would be the same as driving without an insurance, because if u run into accidents, the insurance company won't cover it, since u r not on the driver's list. If u were lucky enough that the police did not even catch that, then it's 3 points on the owner, which is ur gf's mom.

 

thanks for your reply.. but that doesn't seem to make too much sense to me here... so if i violated the traffic act and got a ticket.. the points would only go to the owner of the vehicle while i myself would not be affected at all..?...

 

I am not an expert either, but from what I understand the points are regarding your drivers license, not the insurance. I can’t remember if points are added or removed to your license… The insurance would be affected if you changed companies or were audited at renewal. So you getting the “failing to stop at the stop sign” ticket would only affect your insurance not the owners. From what i understand she would get the bill if your pic was taken running a red light. Because there is no way to prove who was driving the car. But i don't think this would affect insurance, because it would have to be proved it was her.

As for driving her mothers car without being a 2nd driver being the same as driving without insurance, I don’t know about that. From what I understood you could not be charged with driving without insurance as long as you are insured on other car, (your own, or a 2nd driver on someone else’s) Now if you were involved in an accident with her mothers car her insurance would cover it unless her policy stated that no other drivers other than the one listed on the policy may drive the car. This is sometimes added when a new driver in the household just gets their license but does not want to drive yet. So if her insurance covered the accident, meaning she had a claim I think her insurance would go up, but your license would be affected.

 

See the problem is, if you were the secondary driver on the owner's insurance, it affects you as well, but you are not even on their list, so you shouldn't have driven the car in the first place, you should feel lucky that you didn't get yourself in a much deeper trouble. It's the owner fault either way, she didn't oversee her car well enough.

 

As far as I know the ticket and charge is just against the driver for a simple ticket. If you damaged the car or got into an accident then the owners insurance would have to cover repairs and it would effect thier premiums.

You can let another licenced driver drive your car but you carry the risk if there is an accident causing a claim.

Hence my kids will never drive my Z.

Need Risky to verify

 

received and its penalty (ie. fine, suspension etc.) will go against you if you were the one operating the vehicle at the time.

You can drive anyone's vehicle with permission from the registered owner, regardless of not being listed on their policy, assuming you have a valid license for that particular vehicle. That vehicle must have minimum insurance coverage (ie. Liability). Coverage will follow the vehicle insured.

The points themselves (ie. demerit) will not impact insurance. They will impact your license status which can lead to insurance consequences (beyond the scope of this response).

If you are a licensed individual and residing in the household, you are to be listed on any active insurance policy in order to cover the individual exposure.

You have received a minor moving violation. If you pay it (ie. admit guilt) or lose at trial, this will be taken into considering upon your renewal review in combination with other factors (ie. other claims, tickets, non-payments etc.) and can impact premium based on the adjustment of discounts, loadings, reductions in coverage.

Trust this assists...

 

I m no expert on this, but from my understanding a simple ticket like this will only charged toward the driver which is you and will not affect your gf's mom. However if you do get into accident which involves insurance..then there will be problems. Insurance company can even deny the claim as you are not the primary nor the secondary driver.

 

Goes on your record not the car.

 

Correct answer. I'm pretty sure stop sign is 3pts.

 

Excellent answer!

 

and I thank you but I have an unfair advantage.

*Quick...to the Underwritermobile