Originally Posted by
i_forget
A gf of mine did car insurance, and she told me that they are notified by the Ministry of Transportation when there is a change to a drivers abstract. In Chris's case, they know about his accident, but the full effects of the accident (points and such) may not be reflected on the insurance until the court case is completed. Unless he has been convicted of careless, they cannot take the 6 points off, they would wait until the outcome.
They use a formula to determine risk. Right now, the rate is based on the previous tickets (points deducted from his license) and the claim for damages from his accident. When they are notified of his conviction for the accident, the risk formula will change (because he will have now lost his additional points and he will be convicted of being at fault for it) and the rate will go up.
I am also pretty sure that because he is living with you and you are related, even if you do not put him on your insurance, they will still take into account that there is a chance that he will drive your car, which will put up your insurance rates.
I think $4000 is really cheap for insurance considering that he has 2 or 3 tickets and an accident. You may want to double check that.
Someone correct me if I am wrong....