shum02 wrote:
The insurance company will pay if you are drunk, speeding AND over the limit. Will you ever get insurance again????.........Sure, you'll just have to pay through the nose.
Shum, actually in Ontario, under the Ontario Automobile Policy (https://www.fsco.gov.on.ca/en/auto/forms/Pages/oap1_forms.aspx) your insurance company won't pay if you're impaired by drugs or alcohol, convicted of certain offences under the Criminal Code relating to driving or any similar offence in Canada or the US (e.g. causing bodily harm, dangerous operation, failure to stop at the scene of an accident, operating a motor vehicle when disqualified). As well, racing or illegal activity, or driving when not authorized by law.
BTW, that last statement, I presume it means if any of us are towing our rigs and they weigh more than permitted by our driver's licence, then we might be considered not authorized.
This is why I bought the GMC 3500 dually and not the Ford -- the GMC has a GVWR under 6000 kgs unlike the Ford, which is over. For the newest Ford duallies you need to have a CVOR. So in Ontario the GMC is a pickup truck under the HTA, the Ford dually is not. No personal use exemption on the Ford.
And as much as my charming better half would like a trailer with a couple more specific amenities, I told her it ain't gonna happen because we only have about 500 lbs to spare on my class G licence and I don't want to get into the Class A(R) licence.