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By Debbie Arnold of Sound Insurance
 As of January 1, 2019, prohibited use of a hand-held device will now carry a 3-day suspension and a $1000 fine!
Distracted driving is now the number one cause of fatalities in Ontario. 65 deaths were reported in 2016 as a result of distracted driving. Tragically, its not until the New Year that serious action is being taken to curb this driving behaviour.
This type of conviction will have far reaching effects and not just on your driving record but on your pocketbook as well. Because of the increased fine and suspension, this will now be rated by insurers as a “major” offense instead of a “minor” infraction. With this elevated designation comes serious premium impact.
A “major” offense is ineligible in the regular market for new business and renewals for most insurers. Because major offenses carry a surcharge, only substandard or “grey” market carriers will consider writing drivers with these offenses. This would mean a substantial increase in your premium or a cancellation for underwriting reasons upon renewal.
Even if you received the ticket prior to January 1, 2019, if it appears on record, an insurer can and will charge for it as a major offense.
Fortunately for APA members, Sound Insurance has contracts with all substandard markets that operate in Ontario. If you or a family member finds yourselves in this predicament, we can help.
Our mandate for APA members is to obtain the best possible coverage at the best possible premium.
Sound Solutions, Sound Advise, Sound Insurance!
Debbie Arnold
Group Business Development Manager
debbiea@soundinsurance.ca
416-646-0155 or 1-888-756-3334 extension 321
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