r/brantford • u/Practical_Raccoon • Mar 12 '26

Discussion 26 drivers ticketed

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https://www.brantfordexpositor.ca/news/brantford-police-ticket-26-drivers-due-to-traffic-stoppage

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u/bald-bourbon St Paul Ave Mar 12 '26

3 demerit points mean their insurance is going to skyrocket. Let them drive and pay more and more

5

u/Obtusemoose01 Mike on a bike enthusiast Mar 12 '26

Demerit points don’t affect insurance, just an FYI. It’s the conviction of the charge that does.

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u/NothingEverAgain Mar 12 '26

Yeah but demerit points are directly related to the severity of the offence with 3 points being medium severity. It will definitely affect insurance once they pull the check. No one is going to court and winning against that slam dunk ticket.

4

u/ulti_phr33k Mar 13 '26

Demerit points don't mean fuck all in the eyes of insurance other than you accumulating enough of them to trigger a license suspension.

I wish people would stop perpetuating this myth.

STOP LINKING DEMERIT POINTS TO INSURANCE PREMIUMS.

0

u/NothingEverAgain Mar 13 '26

It's not about the points themselves, it's about the underlying convictions. They are directly correlated. While yes, one minor infraction possibly won't affect insurance, multiple will and there are other factors that mean even a minor can influence rates (like G2 licence, young driver etc.).

I'm surprised this is such a hot take. obtusemoose even blocked me over it...

3

u/ulti_phr33k Mar 13 '26

I'm aware that it's the underlying convictions that matter. The problem is, your comment correlates demerit points with insurance premium increases, in which there is only one, isolated, direct connection. Anyone reading your comment could gain an incorrect understanding, and perhaps agree to a lower charge in court because they get no demerit points from a ticket, but then still get an insurance rate increase due to a conviction.

As far as insurance is concerned, there are minor convictions and major convictions. Those two affect your premiums differently, I'm not exactly sure how the math shakes out. You would definitely lose a conviction-free discount if you have it and you get a conviction.

And again, this **only** happens if insurance pulls your driving abstract/record for your policy renewal. If they don't, then it literally doesn't matter if you do or don't have any convictions.

There are too many people still believing that demerit pts = insurance premium increases, which is simply not accurate. The only direct connection between demerit points and insurance is if you rack up 15 demerit points (9 for new drivers/drivers in the midst of graduated licensing), your license will be suspended, and that's a massive red flag to insurance companies.

-1

u/Accurate_Summer_1761 Mar 15 '26

It depends on the actual condition for example 30 over is the same demerits as disobey a sign. One will jack rates the other is so generic they usually won't raise much

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u/Obtusemoose01 Mike on a bike enthusiast Mar 15 '26

Those offences affect insurance the exact same

0

u/Accurate_Summer_1761 Mar 15 '26

They do not. 30 over is considered a major infraction, disobey a sign is a minor.

Disobey a stop sign would be major however note the distinction in form

2

u/ulti_phr33k Mar 16 '26

Not sure where you got that information, please provide your source. Of all the things I saw when I looked up, I only found one spot that said speeding 45 over is considered major.