Every time you get behind the wheel, you make choices that impact your own life and the lives of others. But sometimes, you prioritize speed and distraction, which places everyone around them at risk.
This reckless behaviour comes with a hefty price tag in the form of significantly higher car insurance premiums. So, you need to know the impact of dangerous driving on insurance to stay safe physically and financially.
What Refers to Dangerous Driving?
A wide range of driving behaviours falls under the definition of dangerous driving. Some common examples include speeding, distracted driving, drunk driving, reckless driving, red-light running, and stunt driving.
- Speeding: Exceeding the speed limit significantly increases the risk of losing control and causing accidents.
- Distracted Driving: Talking on the phone, texting, or fiddling with the radio diverts attention from the road and are major accident contributors.
- Drunken Driving: Driving under the influence of alcohol or drugs impairs judgment and coordination, leading to disastrous consequences.
- Reckless Driving: Aggressive maneuvers like tailgating, weaving through traffic, or ignoring traffic signals demonstrate a disregard for safety.
- Red Light Running: Ignoring traffic signals puts everyone on the road at risk and is a frequent cause of serious accidents.
Dangerous Driving and Its Legal Consequences in Canada
According to the report of the lawyers in Estevan, a conviction for dangerous driving carries serious legal consequences, such as fines, jail time, driving license suspension, and a permanent criminal record.
This is serious because around 150 people are injured, and seven are killed in Saskatchewan each year. So, the punishment is getting more severe year by year.
- Fines: Up to $10,000.
- Jail time: Up to two years.
- Driving license suspension: Up to 10 years.
- Criminal record: A permanent criminal record hindering future employment and travel opportunities.
Financial Consequences of Dangerous Driving for Your Insurance
The financial consequences of dangerous driving pale compared to the potential legal repercussions. You could face:
Increased Premiums
Your insurance company assesses risk based on your driving history. It leads to a significant increase in your premium. It often doubles or even triples your previous rate.
Policy Cancellation
Depending on the offence’s severity and driving record, your insurance company may refuse to renew your policy or cancel your coverage. This can make finding affordable insurance extremely difficult.
Long-Term Impact
The negative effects of a dangerous driving conviction can last for years. Insurance companies may continue to charge higher premiums for up to five years after the offence.
Fines and Points
Traffic violations accumulate points on your driver’s license, and exceeding a certain threshold can lead to suspension. Fines for offences like speeding or reckless driving can also add up quickly.
Criminal Charge
In extreme cases, causing an accident can result in criminal charges, including manslaughter, causing bodily harm, or driving under the influence. These charges carry severe penalties like jail time.
Why is Dangerous Driving a Criminal Act in Canada?
Dangerous driving is a criminal act in Canada because it prioritizes the driver’s thrill or convenience over the safety of others. It shows a reckless disregard for the well-being of everyone on the road.
This clean disregard for public safety necessitates criminal consequences to deter such behaviour and hold violators accountable for the potential harm they cause.
How to Protect Yourself and Your Rates from Insurance?
It’s never too late to prioritize safety and become a responsible driver. There are some steps you can take—
Driving Safely and Avoiding Risks
The most effective way to avoid the consequences of dangerous driving is to drive safely and simply follow the rules of the road. So, prioritize the safety of yourself and others.
Choosing the Right Insurance Provider
Not all insurance companies treat dangerous driving convictions equally. Visit and compare quotes from different providers to find the best coverage at the most efficient price.
Defensive Driving Courses
Enrolling in a defensive driving course can equip you with valuable skills and knowledge to navigate the road safely, potentially leading to lower insurance premiums.
Maintain a Clean Driving Record
Avoid even minor traffic violations and cultivate a history of responsible driving. This will demonstrate to insurance companies you are a low-risk driver, potentially resulting in lower premiums.
Telematics as an Ally
If your insurance company offers a telematics program, embrace it as an opportunity to demonstrate your safe driving habits and potentially earn discounts on your premiums.
Final Sentence
Dangerous driving is a serious offence with far-reaching consequences, not only for your safety but also for your finances. The choice is clear: prioritizing safety on the road benefits yourself and others, your wallet, and your future. You can contact a lawyer for the best advice to clear your road towards a safe future.
