Yes. Even a minor conviction can cause your insurance company to raise your premiums for 3 years or more. Serious offences (careless driving, stunt driving, etc.) can cause drastic increases or even cancellation of your policy.

Most convictions remain on your driving record for 3 years from the conviction date. However, insurance companies often look back 6 years or more when assessing risk, meaning a ticket can affect your premiums longer than it stays on your MTO record.

In most cases, no. When you hire a licensed paralegal, they attend court on your behalf. You usually won’t need to appear unless it’s a serious charge (e.g., careless driving, driving while suspended).

For full G drivers, your licence is suspended automatically at 15 demerit points. For novice drivers (G1/G2/M1/M2), a suspension can occur with as few as 9 points.

If you don’t respond within 15 days, you may be found guilty automatically. This can lead to fines, licence suspensions, collections, and major insurance consequences.

Yes — even “small” tickets can add demerit points and trigger insurance increases that cost you thousands over time. A paralegal can often reduce or eliminate these penalties.

No. Once you pay, you are automatically pleading guilty, and the conviction goes on your record. If you want to fight it, you must request a trial before paying.

In Ontario, you usually have 15 days from the offence date to choose how to respond (trial, early resolution, or guilty plea). Missing the deadline can result in an automatic conviction.