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General information about Ontario driving-without-insurance charges, documents to preserve and practical next steps.
Ontario law provides for substantial penalties. The exact amount and consequences depend on the allegation, record and outcome, so do not rely on a short online answer instead of the documents in your own matter.
No single document answers every factual question about coverage. Preserve the ticket, policy documents and correspondence, then have the allegation reviewed against the circumstances of your own matter.
Keep every page of the ticket or summons, policy documents, proof of coverage, correspondence and records connected to the vehicle. Do not alter the documents.
Record the response deadline, preserve the paperwork and get the matter reviewed before deciding how to respond.
General information only, not legal advice. The facts of each matter can change the available options.
Official Ontario source: Ontario Compulsory Automobile Insurance Act.
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