60 days lic suspension - insurance consequences?

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EvilBeaver

Well-known member
roughly, what kind of impact on insurance premium would a 60 days suspension have (too many points) ? traffic lawyer may not be cheaper solution, i.e. lets say it goes up by $500/yr for next 5 years, thats 2500, roughly what the traffic lawyer is charging to tackle the case...dilemma! unless it goes up way more...any experiences?
 
Lol it will be much more than 2500 over 5 years depending on what you are insuring

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It's hard enough as it is to get decent insurance with a clean or nearly clean record. Any time of suspension/cancellation/revoking of a license is throwing gasoline on a fire.

you can call around and pretend to get theoretical quotes as if you had a suspension on your record, that will give you an idea.

$2500 is laughable over 5 years. That's what they'll try and increase regardless.
 
60-day suspension means your record is nowhere near clean. If you think your insurance premiums are only going to go up by $41/month, think again. My insurance jumped $81/mo from a speeding ticket, 15km/h over (no points). This is back in 2008. On a car.
 
if its an administrative suspension it means jack **** as long as its under a year. In your case since it was court/MTO imposed and due to actual convictions you my friend are unfortunately ****ed. To get a suspension due to an accumulation of points you have to have done something very very stupid or be very very stupid because you need quite a bit. A lot of times its not even our own fault tbh, its just inexperience or fear that gets the best of us.

I've had about 15 tickets in my riding career so far, mostly just speeding ranging from 15 over to stunting/street racing. That's a lot of points I accumulated yet never once got suspended due to too many points, never even got called in for an interview but I did get the warning letter a handful of times. What most people don't realize is unlike a conviction the timer on demerit points starts from the day of the offence being committed, not the day you are convicted, and unlike minor convictions which are on your record for 3 years the timer on demerit points is only 2 years from the day. The best part is although the timer started on the day you got ticketed no points go on your record until the date of conviction. So you have to know how you can use that to your advantage. Before breaking rules and doing stupid **** at least know the damn rules, the consequences, your outs and how to play the ****ing game... Otherwise you're just a dumbass and won't really last too long, and I don't mean you personally just anyone in general.

After you get a ticket YOU have to be proactive and this is where most dummies screw themselves, they just sit around thinking if they forget about it so will the system. Always go in and delay your court dates by requesting adjournments this gives you more chances to have the cop not show up and minimize how long the demerit points will actually be on your record. Many times by the time I went to trial the points were already irrelevant and then you just get to negotiate the fine and how long you get to pay it. I've had as long 6 months to pay off 250 bucks :lmao::lmao:, just make up something like you're some broke student and your osap hasn't come in or you got kids to feed...any bullsh*t that is half believable will suffice. The times you do go to trial and 2 years aren't up you can just negotiate reduced points the day of. Say if you got something somewhat serious but not criminal like a 6 pointer usually they'll drop you to 2-3 points. Never just default on the ticket and accept it at face value.

And that's about it...that's the trick to not getting suspended for stupidity. When you go to court it also pays to present yourself well and be well spoken. Don't be looking like clown, slob, gangsta with the hats and baggy clothes etc. Trust me, I've been to court a lot and you see soooo many guys that are an absolute mess. You literally stop and think to yourself who the **** would ever take you seriously or have some sympathy/empathy for you looking the way you do.

Hope that helped.

p.s the suspension will be on your record as far as insurance is concerned for the next 6 years and it will be more than a $500 increase no doubt and you didn't even give us any details as to your bike or yourself. If you got suspended due to points its because you have over 3 tickets or 1 big one...again you didn't give any detail. You can potentially be looking at your insurance doubling, depending on which companies will actually take you on.

Also the adjournments are great at pushing back a court date to after your insurance renewal so that ticket won't show up until the next year if it does. Since I always paid and never called the ****ers to complain or for a claim my insurance never looked into me and I got renewed every year going on for 4 years until my 7-9 tickets that were current dropped down to 2. That was when I switched over to SF from Intact after they ****ed over and bought out Jevco who gave you 2 freebie minors but a 15% increase on the 3rd.

Its pretty much the reason I've been tied to my bike for so long, just so I could stay on 2 wheels because I would have got made as soon as I bought a new bike and rang up anyone for a quote. Over time I've come to accept that we've been together so long due to circumstances of my own doing but that's also why I love her so much.
 
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nfq said:
It's hard enough as it is to get decent insurance with a clean or nearly clean record. Any time of suspension/cancellation/revoking of a license is throwing gasoline on a fire.

you can call around and pretend to get theoretical quotes as if you had a suspension on your record, that will give you an idea.

$2500 is laughable over 5 years. That's what they'll try and increase regardless.
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^^This, in its entirety.

Firget about out motorcycles for a few years, or possibly driving entirely - if your record has reached the point where you're dealing with suspensions because of it, you'll be virtually uninsurable in the motorcycle market.
 
It all depends why your license was suspended, like "LoneRonin" said, if it's a " administrative suspension" not a big deal
However a 60 day suspension I doubt very much it's a " administrative suspension"
 
A pending 60-day suspension for points means that you are still a novice driver and that you have reached 9 or more demerit points, which probably means you have at least 3 minor tickets, or a minor ticket plus one major like a careless or stunt driving.

If that's the case, suspension or not your rates aren't going to be affordable any time soon.
 
griff2 said:
A pending 60-day suspension for points means that you are still a novice driver
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At 15 points for a fully licenced driver there's a suspension as well, so it's unclear if it's a novice situation or not. Either way, 9 points as a novice or 15 points as a full G is going to be a career-ending situation when it comes to motorcycles. I don't think there's an insurance company outside of facility (and quite possibly not even that) that would touch you at that point with that many points plus a suspension.

If the OP is willing to pay $2500 to hire a lawyer to tackle the case, it sounds as if this came on as a result of a single situation...and if the lawyer is quoting $2500 it's probably not a small one.
 
The OP will be into Facility market for sure. The reason the facility market exists, is because insurance is mandatory, the FSCO has ruled that insurers must insure everyone. It doesn't say it has to affordable, just that everyone MUST be bale to obtain insurance.

OP as Loneronin has stated if you have accumulated enough points to get a suspension you are either a VERY poor rider/driver, or you got pulled over for doing something VERY stupid, then started to give the cop a hard time so he/she threw every possible charge at you as an "attitude adjustment" technique. Either way your not going to get hit with a measly $500 per year increase. Expect your premium to at least double if not more, and that will stay with you for 6 years, (or longer depending upon which insurer your with, some like Belair has VERY stringent qualifications).

Also, if you have multiple convictions to get so many points it may be time to consider not riding/driving, until you can become more responsible. You will likely be arranging a meeting with MTO soon.

PrivatePilot said:
At 15 points for a fully licenced driver there's a suspension as well, so it's unclear if it's a novice situation or not. Either way, 9 points as a novice or 15 points as a full G is going to be a career-ending situation when it comes to motorcycles. I don't think there's an insurance company outside of facility (and quite possibly not even that) that would touch you at that point with that many points plus a suspension.

If the OP is willing to pay $2500 to hire a lawyer to tackle the case, it sounds as if this came on as a result of a single situation...and if the lawyer is quoting $2500 it's probably not a small one.
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hedo2002 said:
Either way your not going to get hit with a measly $500 per year increase. Expect your premium to at least double if not more
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I'm in the "more" category of thinking. Like, $1000 a month for just liability a 250 if you're lucky type more.

However unless the OP chooses to share more details I think we're all just starting to speculate now, FWIW.
 
PrivatePilot said:
At 15 points for a fully licenced driver there's a suspension as well, so it's unclear if it's a novice situation or not.
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The 60-day suspension period is specific to novice drivers, and does not apply to full-licensed drivers.

Demerit point suspensions for a fully-licensed driver are 30 days for first occurrence.

Both apply to a first instance of suspension for accumulating demerit points within a set period of time. When you get your license back, your license is reset to have 4 demerit points on it. Any subsequent accumulation of demerit points to the given suspension level for your class of license (full vs novice license) will be for six months if that subsequent suspension occurs within two years of the end of an earlier demerit point suspension.
 
Exceptions can occur however lets say the OP currently holds a G,M2 licence and the offence occurred while riding his bike then even though he has a full G the 60 day suspension would be attached to the M2 class. But none the less the OP is asking about insurance ramifications. It doesn't matter if he is M1, M2 or Full M, he has to deal with a 60 day suspension. It would not be an administrative suspension because the OP already stated it was due to points and offence(s), hence he quote from a lawyer of $2500.

Op have you called an insurance broker for a quote? Not your own insurer, obviously..

griff2 said:
The 60-day suspension period is specific to novice drivers, and does not apply to full-licensed drivers.

Demerit point suspensions for a fully-licensed driver are 30 days for first occurrence.

Both apply to a first instance of suspension for accumulating demerit points within a set period of time. When you get your license back, your license is reset to have 4 demerit points on it. Any subsequent accumulation of demerit points to the given suspension level for your class of license (full vs novice license) will be for six months if that subsequent suspension occurs within two years of the end of an earlier demerit point suspension.
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