Caught driving without insurance – consequences?
Got pulled over and realized my insurance lapsed a week ago (forgot to renew). Now ticketed for no insurance. Fine looks massive and worried about license suspension. Anyone fought one of these successfully?
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No insurance is HTA s.2(1) – first offence fine $5,000–$25,000, possible 1-year suspension, and insurance companies can refuse to renew or skyrocket rates. But if you had coverage before/after and it was truly a lapse, sometimes paralegals get it reduced or withdrawn if proof is solid. I had a lapse ticket; showed renewal docs and got it knocked down significantly with no suspension. Traffic Paralegal Services deals with no insurance charges a lot – they help gather evidence like policy docs and negotiate reductions https://www.trafficparalegalservices.com/no-insurance/ . Worth getting their free consult to see if your situation qualifies for leniency. Act quick – court dates come fast.