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jw01

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Jul 3, 2005
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Hi Guys,

So I need some help, desperately. Recently I got a speeding tix 140/100 zone and I got a lawyer, xcopper and things didnt go well, at least how I had hoped for. Got $150 fine with 3 demerit points taken which has taken a big hit on my insurance as I had previous charges (none with demerit). So I recently switched to State Farm and bc of my record they are failing to insurance me which is really messing everything up cause I need a car for literally everything. Anyways, so can you guys help or know or any brokers or companies that would be willing?

The ironic thing is, I was with Aviva and switched over to State Farm as I was getting a better rate, but now they are being completely wack and want to cancel my insurance, so please guys Im desperate for help. Let me know. Thanks. j_w_01@yahoo.com

Jay
 
jw01 said:
Hi Guys,

So I need some help, desperately. Recently I got a speeding tix 140/100 zone and I got a lawyer, xcopper and things didnt go well, at least how I had hoped for. Got $150 fine with 3 demerit points taken which has taken a big hit on my insurance as I had previous charges (none with demerit). So I recently switched to State Farm and bc of my record they are failing to insurance me which is really messing everything up cause I need a car for literally everything. Anyways, so can you guys help or know or any brokers or companies that would be willing?

The ironic thing is, I was with Aviva and switched over to State Farm as I was getting a better rate, but now they are being completely wack and want to cancel my insurance, so please guys Im desperate for help. Let me know. Thanks. j_w_01@yahoo.com

Jay
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i was in nearly in same situation as you , tried several companies , finally Johnson insurance came to the rescue , try them i had a pleasent surprise dealing with these folks hope it works out for you 2
 
erik_guy2001 said:
i was in nearly in same situation as you , tried several companies , finally Johnson insurance came to the rescue , try them i had a pleasent surprise dealing with these folks hope it works out for you 2
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Johnson will grant you a forgiveness clause for one incident like yours or one at fault accident, but watch out that you don't have two incidents like this or be involved in two accidents because they will refuse to insure you also.

I know because they did it to me.
 
CAA is relatively expensive, but thxs for your help; I'm going to try my luck with Johnson and see what they say.

If anyone out there knows anyone else, please help. Thanks.
 
jw01 said:
CAA is relatively expensive, but thxs for your help; I'm going to try my luck with Johnson and see what they say.

If anyone out there knows anyone else, please help. Thanks.
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Try the banks, TD, or Royal. If you call TD, tell them you are an Alumni of the U of A, you will get a better rate, they don't check. Also, you can get quotes at www.insurancehotline.com they had a big ad in today's star. It will give you the best rates from all the insurance companies.
 
jw01 said:
CAA is relatively expensive, but thxs for your help; I'm going to try my luck with Johnson and see what they say.

If anyone out there knows anyone else, please help. Thanks.
Click to expand...


Weird Caa is the cheapest I got, amongs many I called........
 
TD Meloche Monnex

They've been great to me over the years. I've had several speeding tickets, including 149 in 100 which was actually 161 in 100 (before they took your car away) and (knock on wood) Monnex let it slide.

I've even had 2 love letters over the years from MTO threatening that if I got one more ticket they (MTO) wanted to speak to me in person. Monnex never batted an eye.
 
Give DGI direct a try

Talking about dermits does not mean a thing for insurace. Only the MTO cares about demerit points as its ONLY used to determin when you get suspended.

Your insurance company only looks at "number of minor and major convictions" The fines and points that go alonge with those convictions mean nothing.

I think anything 39km over the limit is a major conviction and will screw your insurance, one strike. If the judge reduced the charge to 15km over then it would have helped you. However he just played with your fine and points and effectivly did nothing.
 
I can also vouch for Johnson (aka Unifund). Had an "at fault" and they didn't even bat an eyelash. This spring when it was time to re-up I shopped around, and no one could touch their price.
 
If you are considered a high risk driver, you may have to, or be better off, getting Facility insurance.


High Risk Drivers

Although an individual insurance company may refuse to sell you automobile insurance if its approved underwriting rules determine you to be a "high risk," the insurance industry as a whole cannot refuse to sell you basic insurance.

High-risk drivers are those drivers who have had a number of at-fault accidents or convictions, had policies cancelled because they haven't paid their premiums, or have other risk-related characteristics.

The Facility Association, an insurance pool that all automobile insurance companies belong to, is an insurer of last resort, which makes automobile insurance available to high-risk drivers who are unable to find automobile insurance in the regular market. As well, there are a number of "non-standard" insurers who specialize in insuring high-risk drivers.

For more information on the Facility Association, visit their website at: www.facilityassociation.com, or call their Toll-free number: 1-800-268-9572.
 
If you know a friend in Quebec, you can use their address, and get a license and plates and Insurance in Quebec. Much cheaper over all. You'll probably pay 100 a month. Plate registration is 250ish a year though.
 
So i found out that I have 7 tixs in the past 3 years with the 140/100 zone with 3 demerit being the highest, so that is why insurance companies want so much. Any brokers out there that can do be a cheap deal?
 
Wait till you get your next quote. The industry just got the ok to increase 7% on the average to cover losses(?).
 
jw01 said:
So I recently switched to State Farm and bc of my record they are failing to insurance me which is really messing everything up cause I need a car for literally everything.

. . now they are being completely wack . .
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You've had 7 tickets in 3 years, you need your car for literally everything, and the insurance company is whack?? Give your head a shake and learn to slow down!
 
jw01 said:
So i found out that I have 7 tixs in the past 3 years with the 140/100 zone with 3 demerit being the highest, so that is why insurance companies want so much. Any brokers out there that can do be a cheap deal?
Click to expand...

Christ bro, I haven't had half that many tickets in my entire life and my first car was a brand new Chevette. Suck it up and slow down. It looks like facility insurance for the next few years and expect to see that disposable income to shrink drastically.

Good Luck.
 
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