Take Ontario impaired driving warn range violations for example—because Ontario police can charge you with a warn range violation after you blow between .05 and .08 into a breathalyzer, one user asked The Globe and Mail whether or not the Ontario Ministry of Transportation (MTO) disclosed his warn range violation to his insurance company when he received an immediate 3-day drivers license suspension. He was concerned that he would receive a hike on his insurance rates just because he had a few drinks with dinner.
Turns out, they don’t. The MTO doesn’t send out violation reports to insurance companies, but that doesn’t mean you’re off the hook. If you’re a new client or if they feel as though they see a need for any reason, the insurance company can request your drivers abstract for your past 3 years of driving. If they decide to, they can look over your abstract before insuring you and see if there are any red flags on it. Those red flags can determine your rates, because insurance companies can raise your rates based on anything they find on your drivers abstract.
According to the article, the only provinces where a roadside suspension can affect your insurance premiums are those with government run insurance companies like Saskatchewan, Manitoba, and British Columbia.
It’s a good question and something to think about, especially if you’ve ever received a warn range violation in Ontario. That’s why your best option always is, if you’ve been drinking at all, to ask a sober driver or call a cab to give you a ride home. When someone else is behind the wheel, you won’t have to worry about how high your blood alcohol concentration (BAC) is.