Got a ticket for driving with no insurance...what to expect?

[NHFL]

Puerile?

Your sanctimonious post lacks a modicum of insight.

I suspect the OP is like millions being a suburban guy who can only get to work by car. No transit etc. So, if he didn't drive, then he'd likely lose his job.

Besides, you sanctimonious twat, he asked for input on how he can mitigate the consequences of his actions. You have nothing useful to add to the conversation.

Do not mitigate your actions by using the argument of "I had to put food on the table". It won't work. There, I just added to the conversation.

Mitigate your actions by getting insurance prior to court date (if you can) and get a good lawyer. That has been said plenty of times.

Now back to sanctimony - good, responsible earners find ways to mitigate their circumstances. Suburbanites car-share, car-pool and do indeed take transit. For $100 he can get a bike off Kijiji and ride to the nearest GO station.

Oh - and check-out this guy... http://www.freep.com/story/news/loc...t-ubs-banker-woodward-buses-transit/22660785/

 

[oldjones]

Puerile?

Your sanctimonious post lacks a modicum of insight.

I suspect the OP is like millions being a suburban guy who can only get to work by car. No transit etc. So, if he didn't drive, then he'd likely lose his job.

Besides, you sanctimonious twat, he asked for input on how he can mitigate the consequences of his actions. You have nothing useful to add to the conversation.

You'd have to show me where in the GTA he might live without access to transit. He'd have to tell us how his house was cheap enough to afford, if he 'had' to drive everywhere in an insured car in order to own it. And, of course we know he couldn't afford it.

If what you said was 100% true, then he recklessly endangered his very livelihood by deliberately driving 20kph over the limit on a dark road, because he thought he could get away with it, safety never entering his mind. Or just being calm and sensible. If being able to drive was really the only way to keep his job, he was even more infantile than I first thought when he chose to let his insurance pay for his mortgage.

What he actually asked for is any insight or advice on the punishment process, hopefully with the result of making that as painless as possible. Absent that legal pain, we have yet to hear how else this guy proposes to at last learn to act like an adult.

 

[oldjones]

and for umpteenth time, correct. He knows it, you obviously know it, and everyone on the board knows it. Are you going to let this man move forward and try to give sound advice, or do we have to keep reading another 20 members tell us how he made the wrong choice?

It might progress things if we read a post from him that said he now realizes it was never any kind of choice he should have considered. Or even that he's so glad the consequences have been painless only for him, and he's resolved to try to drive right from now on, instead of just squeaking under the radar.

But that's all for him to figure out and say, or not. The rest of us do the same, figure it out our way and say what we think, or not.

 

[destillat]

Absent that legal pain, we have yet to hear how else this guy proposes to at last learn to act like an adult.

Wow, you are a pathetic loser.
Who the fuck do you think you are?
The OP owes you... let's see... umm... FUCK ALL.
I am still struggling to believe that you are on an escort review board, judging someone's actions with this disgusting holier-than-thou attitude... you are pathetic slime... especially considering since you have admitted that you have had some serious transgressions in your own disgusting past.

 

[oldjones]

Hey I have learned my lesson!
I have not hobbied this year hence no postings....

Insurance lapsed for 3 weeks.
I have insurance coverage now.

Good. Make sure you keep it, and focus on never ever needing it. Those other drivers? They're out to get you.

On the lighter side of life, buying sex only became illegal recently, and there are still forums for other legal parts of this hobby. As for the only-just-now-criminalized bits, that's where the 'I am hurting no one' argument that puts your ethics over the law might have a place; in a room when you're both nekkid and happy with the arrangement. Not when you're climbing into a multi-tonne killing machine that you've chosen to operate without having a thought about how you'd cope if something went wrong. Perhaps deadly wrong.

The time to have asked for no insurance advice was before, not after. Good luck, and no more afters.

 

[Titalian]

Good. Make sure you keep it, and focus on never ever needing it. Those other drivers? They're out to get you.

On the lighter side of life, buying sex only became illegal recently, and there are still forums for other legal parts of this hobby. As for the only-just-now-criminalized bits, that's where the 'I am hurting no one' argument that puts your ethics over the law might have a place; in a room when you're both nekkid and happy with the arrangement. Not when you're climbing into a multi-tonne killing machine that you've chosen to operate without having a thought about how you'd cope if something went wrong. Perhaps deadly wrong.

The time to have asked for no insurance advice was before, not after. Good luck, and no more afters.

Maybe in your case and mine, but let us never loose sight of the fact that there is a darker side to this
industry where the underage and exploited are used for profit. Where hopefully LE will concentrate there efforts.

 

[gspotlover]

and for umpteenth time, correct. He knows it, you obviously know it, and everyone on the board knows it. Are you going to let this man move forward and try to give sound advice, or do we have to keep reading another 20 members tell us how he made the wrong choice?

Thanks BBL!

 

[black booty lover]

Thanks BBL!

no problem man.

Just gets pretty annoying when someone comes on the board and says "hey everyone, I made mistake/fucked up", and all these guys scrutinize you acting like you committed a crime. It's not even a criminal offence, not to mention, the only person you would have screwed is yourself for the most part, so I'm not sure why the fuck they care so much. Mean while, if they are indeed hobbyist and actively seeing SP's, they ARE committing a crime. Again, society thinks what they are doing is worse (hence it being illegal) We all make mistakes, when someone admits it, no need to keep telling them that.

 

[black booty lover]

Wow, you are a pathetic loser.
Who the fuck do you think you are?
The OP owes you... let's see... umm... FUCK ALL.
I am still struggling to believe that you are on an escort review board, judging someone's actions with this disgusting holier-than-thou attitude... you are pathetic slime... especially considering since you have admitted that you have had some serious transgressions in your own disgusting past.

He's a nut job that doesn't make any sense at all, totally contradicts himself and can't comprehend basic concepts. At least with some people I debate with on this board, they make good arguments, this guy makes as much sense as a screen door on a submarine.

 

[Barca]

Maybe in your case and mine, but let us never loose sight of the fact that there is a darker side to this
industry where the underage and exploited are used for profit. Where hopefully LE will concentrate there efforts.

Yup, and the irony is that as self-righteous as oldjones and others have been, there are large segments of society that judge them over hobbying regardless of bill c36.

It's pretty hypocritical.

 

[TheDr]

To add a few more things here..about what the OP is facing, not judging what he did - I came across this at least weekly when I was an Insurance broker.

He goes to court and the charge sticks. His current insurance carrier, if he is lucky, will deny renewal unless they are a Facility or high risk carrier. If they find out sooner they may well cancel for material misrepresentation. As mentioned many times previously in this thread landing him in Facility. Contrary to belief,most insurance companies run your abstract at every renewal. If you have picked up a couple of minors, depending on your history with them, they may choose to let it slide unless you pick up more.

There are also consequences for other drivers in his household.
If multiple vehicles with multiple drivers are insured on the same policy the Insurer will insist on proof of coverage for him and his vehicle on another policy and insist on him being excluded from their policy by signing an OEF28a excluded driver endorsement. This would leave him with no legal insurance on the vehicles other than on his high risk policy. No getting round this by putting the lowest rated vehicle on the high risk policy and still driving the nice one. You get caught its another driving without insurance charge, you get in an accident you are on your own.

If they have their own insurance, again the company will insist on proof of insurance for the OP or rate him as principle operator of the vehicle (as the highest risk driver) and possibly non renew or cancel the policy unless he signs an OEF28a. If he doesn't have a vehicle on his own policy they may not even offer the OEF28a if he has a valid license... In this case best to turn in the license and take transit.

Either way, if convicted there are serious financial and lifestyle implications for the next 3 years.

 

[nottyboi]

To add a few more things here..about what the OP is facing, not judging what he did - I came across this at least weekly when I was an Insurance broker.

He goes to court and the charge sticks. His current insurance carrier, if he is lucky, will deny renewal unless they are a Facility or high risk carrier. If they find out sooner they may well cancel for material misrepresentation. As mentioned many times previously in this thread landing him in Facility. Contrary to belief,most insurance companies run your abstract at every renewal. If you have picked up a couple of minors, depending on your history with them, they may choose to let it slide unless you pick up more.

There are also consequences for other drivers in his household.
If multiple vehicles with multiple drivers are insured on the same policy the Insurer will insist on proof of coverage for him and his vehicle on another policy and insist on him being excluded from their policy by signing an OEF28a excluded driver endorsement. This would leave him with no legal insurance on the vehicles other than on his high risk policy. No getting round this by putting the lowest rated vehicle on the high risk policy and still driving the nice one. You get caught its another driving without insurance charge, you get in an accident you are on your own.

If they have their own insurance, again the company will insist on proof of insurance for the OP or rate him as principle operator of the vehicle (as the highest risk driver) and possibly non renew or cancel the policy unless he signs an OEF28a. If he doesn't have a vehicle on his own policy they may not even offer the OEF28a if he has a valid license... In this case best to turn in the license and take transit.

Either way, if convicted there are serious financial and lifestyle implications for the next 3 years.

That is why you agree to plead to failure to provide proof of insurance. Conviction with the original charge is NUCLEAR DESTRUCTION. I think insurance companies check autoplus for accidents (which is free or cheap for them as it is an industry database) but drivers abstracts are not cheap. So I don't think they do them all the time.

 

[TeeJay]

That is why you agree to plead to failure to provide proof of insurance. Conviction with the original charge is NUCLEAR DESTRUCTION. I think insurance companies check autoplus for accidents (which is free or cheap for them as it is an industry database) but drivers abstracts are not cheap. So I don't think they do them all the time.

Insurance industry does not have nearly as many checks as they try to scare you into

I drove without insurance for 10 years at one point
Had no issue getting insurance afterwards (pretty recently)

I had an at fault accident (well I dispute it but it is there) so switched insurance companies and saved hundreds

I had 3 tickets at one point on my abstract and my insurance never went up
Then like 2 years later they found it (random audit I guess) but they told me if I got no more tickets for year no increase to my rates since tickets were about to drop off and they were all minor tickets (plus I was a good driver haha)

 

[Promo]

Insurance industry does not have nearly as many checks as they try to scare you into

I drove without insurance for 10 years at one point
Had no issue getting insurance afterwards (pretty recently)

I had an at fault accident (well I dispute it but it is there) so switched insurance companies and saved hundreds

I had 3 tickets at one point on my abstract and my insurance never went up
Then like 2 years later they found it (random audit I guess) but they told me if I got no more tickets for year no increase to my rates since tickets were about to drop off and they were all minor tickets (plus I was a good driver haha)

You are a terrible, terrible driver and even worse human being! I don't sense any regret in your post, nor any understanding of what you did as being wrong. What if you ran down a woman who was pregnant with triplets? What if one of those triplets was the future discoverer of the cure to hemorrhoids?

Old Jones, feel free to blast this guy with 10 or 15 unreadable posts full of 25 word sentences. Fuji, feel free to judge him while you look for vulnerable recent immigrants to take advantage of while your wife is home tending to your sick child.

Damn, this thread is going to go on for another 7 pages. (rolleyes)

 

[Promo]

Insurance industry does not have nearly as many checks as they try to scare you into

I drove without insurance for 10 years at one point
Had no issue getting insurance afterwards (pretty recently)

Seriously, why would you do something that stupid and then come on here and brag? Unless of course you are fibbing.

 

[Titalian]

You are a terrible, terrible driver and even worse human being! I don't sense any regret in your post, nor any understanding of what you did as being wrong. What if you ran down a woman who was pregnant with triplets? What if one of those triplets was the future discoverer of the cure to hemorrhoids?

Old Jones, feel free to blast this guy with 10 or 15 unreadable posts full of 25 word sentences. Fuji, feel free to judge him while you look for vulnerable recent immigrants to take advantage of while your wife is home tending to your sick child.

Damn, this thread is going to go on for another 7 pages. (rolleyes)

Isn't Fugi an immigrant

 

[nottyboi]

You are a terrible, terrible driver and even worse human being! I don't sense any regret in your post, nor any understanding of what you did as being wrong. What if you ran down a woman who was pregnant with triplets? What if one of those triplets was the future discoverer of the cure to hemorrhoids?

Old Jones, feel free to blast this guy with 10 or 15 unreadable posts full of 25 word sentences. Fuji, feel free to judge him while you look for vulnerable recent immigrants to take advantage of while your wife is home tending to your sick child.

Damn, this thread is going to go on for another 7 pages. (rolleyes)

what difference would having insurance make?

 

[Promo]

Isn't Fugi an immigrant

He claims to be Asian, not sure about him being an immigrant.

A few years ago (give or take), he was explaining how he finds women to bed. I believe the thread was about pick-up techniques.

He stated he seeked out recent asian immigrants because they didn't know anybody, were lonely, language barriers and were desperate to make friends. They would do anything to keep the friendship going, which often led to bed. <-- I admit I'm paraphrasing in a negative light, but I thought his technique was extremely immoral and I've never forgotten that post. The whole thread was a bit pathetic.

 

[Promo]

what difference would having insurance make?

It was sarcasm. I was criticising much of the 7 pages of dribble above. Nothing in the post implied that to you? Hemorrhoids? The shot at Old Jones or Fuji? The rolleyes.

 

[Titalian]

He claims to be Asian, not sure about him being an immigrant.

A few years ago (give or take), he was explaining how he finds women to bed. I believe the thread was about pick-up techniques.

He stated he seeked out recent asian immigrants because they didn't know anybody, were lonely, language barriers and were desperate to make friends. They would do anything to keep the friendship going, which often led to bed. <-- I admit I'm paraphrasing in a negative light, but I thought his technique was extremely immoral and I've never forgotten that post. The whole thread was a bit pathetic.

Really ! sheds a whole new light on this character.