Carrying automobile insurance is mandatory in Ontario and the consequences for failure to do so are serious.  An owner or lessee of a motor vehicle who operates a motor vehicle to be operated, or even permits someone else to operate their motor vehicle, on a highway without a contract of automobile insurance is subject upon their first conviction to a minimum fine of $5,000, and on a subsequent conviction to a minimum fine of $10,000, with the possibility of a driver’s licence suspension of up to one year. 

Knowingly possessing a false or invalid insurance card carries a minimum fine of $10,000 upon the first conviction and minimum of $20,000 upon subsequent convictions.

If you are charged under the Compulsory Automobile Insurance Act and would like to discuss a possible defence strategy, contact us for a consultation.