【告票与保费的关系】保险公司评分标准表

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INSURANCE RISK POINTS

This score of points applies in Ontario only. The laws may be different in other provinces and in the U.S. At-fault accident (last 5 years)	2 points where four or more years of driving experience, 4 points with less experience
Criminal code or similar conviction (last 3 years)	4 points
Major conviction (last 3 years) examples: failing to report an accident, speeding in a school zone	2 points where four or more years of driving experience, 4 points with less experience
Minor conviction (last 3 years) examples: seat belt infraction, speeding, illegal turn, fail to yield	1 point where four or more years of driving experience, 2 points with less experience
No evidence of coverage under an automobile insurance policy for at least 12 months out of the last 24	4 points
Automobile insurance fraud (no time limit)	4 points
Material Misrepresentation (including failure to disclose on application form) (last 3 years)	4 points
Cancellation of a policy for non-payment of premium (last 3 years)	1 point

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Note:

Insurance risk points are not the same as driver license demerit points. Only if your driving record or insurance experience generates four or more insurance risk points can an automobile insurer refuse to insure you. Facility Association may be your only option if your record generates four or more insurance risk points.

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