You’ve purchased a vehicle, you need to insure it,  but your record may be less than stellar. What are your options? Ontario law requires that all motorists have auto insurance. Fines for vehicle owners, lessees, and drivers who do not carry valid auto insurance can range from $5,000 to $50,000. If you are found driving without valid auto insurance, you can have your driver’s licence suspended and your vehicle impounded. If you are convicted of driving without valid auto insurance, your insurance company may consider you a “high-risk” driver and charge you higher premiums or refuse to sel ..read more

2nd Chance Insurance wants to help you improve your driving record. Obtain a free instant online quote today. Safe and Responsible Driving Being a safe and responsible driver takes a combination of knowledge, skill and attitude. To begin, you must know the traffic laws and driving practices that help traffic move safely. Breaking these “rules of the road” is the major cause of collisions. Traffic laws are made by federal, provincial and municipal governments, and police from each level can enforce them. If you break a traffic law, you may be fined, sent to jail or lose your driver’s licen ..read more

2nd Chance Auto Insurance can help you find good coverage for high risk driving and drivers.  Impaired driver records (DUI) and other tickets can make finding high risk insurance difficult, and expensive. Give 2nd Chance Auto Insurance a chance to help you find the right policy. https://2ndchanceautoinsurance.ca/ver2/onlinequote/ Learn about Ontario’s impaired driving laws and the penalties you could face if you drive while impaired by alcohol or drugs. What is impaired driving? Tips to avoid impaired driving Consequences of impaired driving Alcohol education and treatment programs ..read more

Penalties for distracted driving The easiest way to avoid penalties for distracted driving is to not use a hand-held device when you’re behind the wheel. It’s against the law to use hand-held communication (e.g. your phone) and electronic entertainment devices (e.g. DVD player, e-reader) while driving. In fact, simply holding a phone or other device while driving is against the law. You can use: a hands-free device (e.g. Bluetooth) but only to turn it on and off a mounted device (e.g. phone, GPS) as long as it is secure  – not moving around while driving If convicted, the penalty you fa ..read more

THORNHILL, ON, Sept. 26, 2016 /CNW/ – In celebration of the 40th anniversary of Ontario’s mandatory seatbelt law CAA South Central Ontario (CAA SCO) is reminding motorists to buckle up. Up until 1962, cars weren’t equipped with seatbelts. During that time, CAA SCO supplied members with belts as part of its traffic safety initiatives and urged car manufacturers to install them. By the ’70s, cars were built with seatbelts and, in 1976 seatbelt use became mandatory in Ontario. Statistics for seatbelt use have improved greatly over the last 40 years. According to the Ontario Road Safety Annua ..read more

A freeway — also called an expressway — is a high-speed, multi-lane road. On a freeway, traffic going in each direction is separated and ramps let vehicles enter and exit. Vehicle speed is higher on a freeway than on other roads, so driving can be more demanding and difficult. However, because there are no intersections, bicycles or pedestrians, freeway driving can be safer for experienced drivers. New lanes called High Occupancy Vehicle (HOV) lanes are to be used for vehicles carrying a set minimum number of people. You will need to learn how to recognize markings and signs for these lanes, a ..read more

No matter how mild your manners are, driving has a tendency of bringing out the worst in us. Nearly 80% of Canadians admit to driving behaviour that could be deemed as road rage, according to a recent insurance study. The poll suggests: 40% of drivers use profanity during traffic. 20% of drivers tailgate while driving Drivers aged 18 to 34 are most guilty of cutting people off while driving Seeing other drivers distracted is the most common road rage trigger. Men tend to get road rage when they are cut off in traffic while women tend to get road rage when they are running late. Typical road ..read more

Canadians are killing each other on our streets, even in broad daylight. The killers are usually known, but rarely prosecuted. Moreover, the killing could easily be prevented. Who are these people? The victims are people walking and the culprits are people driving. Ordinary, everyday people, like us. More than 300 pedestrians are killed by motorists in Canada each year.In Toronto alone, 163 pedestrians have been killed since 2011. But it doesn’t have to be this way. Most collisions between pedestrians and vehicles are, one could argue, “by design” — policy design, that is.   First ..read more

One of the proudest moments for a parent is to hand over the keys for their car to their teenager. At the same time, it can be one of the most terrifying things in the world. Teenage drivers are under a lot of risk when they are on the road. The thing is that one in every fifteen teenagers is likely to get into an accident during their first year of driving. If an accident happens, you will obviously be worried about your child’s safety over everything else. We understand that an insurance premium might be a secondary concern for you when it comes to your children. The thing is, once you have ..read more

A recent survey found that nearly 40% Canadians admitted that they were guilty of distracted walking, putting themselves and motorists at high risk. The survey, conducted online by State Farm in March, polled 3,000 respondents of driving age. Although 63% of respondents answered that they always take extra precaution when crossing the road during dawn and dusk, the remaining 37% admitted that they were occasionally distracted. In terms of these possible distractions, 40% of respondents admit to texting while walking, and 45% said they use headphones to listen to music while crossing the street ..read more