How do insurance companies find out about your record?
05-31-2005, 05:42 AM
#1
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How do insurance companies find out about your record?
Do they get the EXACT same abstract sheet that you get when you pay $10 at the MTO ?
Does that abstract sheet also show suspensions? or are suspensions shown another way?
Does that abstract sheet also show suspensions? or are suspensions shown another way?
05-31-2005, 06:22 AM
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In the US, insurance companies have access to the same DMV records that contain the driver history.
I think it is the same in Quebec. Not sure about Ontario and other provinces.
There is a certain amount of lag time before the history is refreshed but it will eventually.
There is a certain amount of lag time before the history is refreshed but it will eventually.
05-31-2005, 06:45 AM
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In Canada, insurance companies pay to get the same driver's abstracts from the MTO.
They do them en mass orders and they are requested periodically to coincide with all customers who are up for renewal.
05-31-2005, 07:16 AM
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Awsome. I just got my abstract, and there is no mention of my license being suspended 4 times
for unpaid fines within 1 year.
I'm assuming that is because it was suspended for unpaid fines for a non-moving violation.
I'm a very happy person today.
I'm assuming that is because it was suspended for unpaid fines for a non-moving violation.
I'm a very happy person today.
05-31-2005, 08:47 AM
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Yes, this includes non-payment, comprehensive claims, etc.
These are things that are directly related to dealing with the insurance company that the MTO doesn't know about. So if you have concelled insurance, missed payments, claims that did not involve the police or were never reported to the Vehicle Collision Reporting Centre.
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