Insurance for a new driver in Ontario?

Will driver failure to wear seat belt conviction result in increased State Farm insurance premium in Ontario?

• Answer:

  depends Depends, violations that show up on the driver's abstract are used by insurance underwriter's to determine premium. If you have an existing policy, State Farm may or may not request your up to date abstract upon renewal. This kind of violation will probably stay on your record for three years. If State Farm doesn't bother to pull your abstract they may never find out. I'm assuming you are asking about personal insurance. Commercial policies almost always require a yearly copy of the driver's abstract. Also, new policies will always require an abstract, as well as a declaration from the insured as to what accidents, claims, tickets, etc. are on your record. If you lie..... you are in much worse trouble. Lying about your record is considered a worse offense than most of the offenses themselves.