Understanding Red Light and Speed Cameras

In Ontario, the implementation of red light and speed cameras plays a crucial role in promoting road safety and reducing accidents. At Gibb Insurance Brokers, we believe it's essential for drivers to understand how these systems work and how they might impact your insurance premiums.

How Red Light Cameras Work: Red light cameras are strategically installed at intersections prone to high traffic violations and accidents. These automated systems capture images and videos of vehicles that enter an intersection after the light has turned red. If a violation is detected, the camera takes a snapshot of the vehicle’s license plate as evidence, and the registered owner receives a ticket by mail.

How Speed Cameras Work: Speed cameras are designed to catch speeding vehicles. They measure a vehicle’s speed using radar or laser technology. If a driver exceeds the posted speed limit, the camera records the vehicle’s details and issues a fine. These devices are often placed in community safety zones and school areas to ensure heightened protection.

Impact on Your Insurance: One of the common concerns among drivers is how these infractions might influence their insurance rates. In Ontario, tickets from red light and speed cameras are considered 'owner liability' offences. This means that while the registered vehicle owner must pay the fine, these tickets don't carry demerit points and aren't directly applied to a driver’s record. Consequently, they don't typically affect your insurance premiums.

However, accumulating several tickets could indicate risky driving behaviour, which might indirectly raise concerns with your insurer. It’s always wise to maintain a clean record to avoid any potential rate increases in the future.

At Gibb Insurance Brokers, we encourage safe driving habits and understanding how these traffic enforcement tools work is an important step in avoiding fines and maintaining favourable insurance rates. Stay informed and drive safely!