Photo Radar Tickets and Your Car Insurance Rates
If you drive, you know that getting pulled over and receiving a ticket from a police officer can give you demerit points on your record, thus driving your insurance rates up. But what about photo radar cameras like red light cameras?
There have been many instances where some drivers have reported that it was not them driving their car, but a relative or a friend. Because of this, many are worried that it might drive their auto insurance premium up and not the person who is driving, which is unfair to the actual owner of the car.
Since the photo radar camera cannot see who was driving the car, thus cannot prove who was driving the car, you do not receive any demerit points for these tickets. The person receiving the tickets is the person that is registered to the offending vehicle and it doesn’t matter who was driving the car. You need to pay the ticket.
Photo radar issued tickets are issued to the vehicle, not the person driving it. Some think that photo radar cameras have no consequences for those who are well off and want to speed. You pay for the ticket, and that’s it! No going to court, no negative effects on your insurance or your record.
A police-issued traffic ticket will result in those consequences, from increased insurance rates (10-15% increase) to demerit points and even court dates.
Police-issued tickets are also a lot more expensive than getting tickets from a photo radar—almost three times as much in some cases.
The only consequence that comes with photo radar tickets is the monetary payment associated with them. They do not show up on your record, and your record is what insurance companies look at separate from demerit points. So if you get multiple photo radar tickets at a time, those won’t go on your record or cause an increase in insurance. This also means that repeat photo radar offences will not result in your license being taken away, unlike regular tickets.
In conjunction with red light cameras, many cities in Ontario have started introducing speed cameras in certain cities since 2019. Toronto’s speed cameras were installed in January 2020 and required a 90-day warning period, which issued 25,000 warning tickets to offending drivers before becoming fines. The city then delayed issuing fines until July because of COVID-19.
In Alberta, there was evidence that speed or radar cameras cut down on speeders in the long run. In 2017 a study was conducted in Edmonton by the University of Alberta. Photo-radar vans cut speeding by 19% even after they were removed. This proves photo radar cameras can play a more integral role in keeping the streets and the city safe in the future and how they might be implemented more widely.
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Tags: Auto Insurance