No Insurance charges in Kitchener, Ontario.

Section 2(1) of the Compulsory Automobile Insurance Act prohibits operating or permitting the operation of a motor vehicle on a highway unless it is insured under a motor vehicle liability policy.

First offence: minimum $5,000 fine, maximum $25,000, plus a 25% victim fine surcharge. Subsequent offences: $10,000 to $50,000. Possible licence suspension up to one year and vehicle impoundment up to three months. After conviction, obtaining insurance often requires the Facility Association at high-risk premiums for several years.

• Valid insurance was in effect at the time (proof of coverage)
• Honest but mistaken belief in coverage (e.g., a renewal lapse)
• Identification of the driver
• Charter — unlawful stop or detention
• Due diligence in maintaining coverage

Provincial Offences Court. Given the severity, almost always benefits from professional representation. Crown is often willing to reduce or withdraw where proof of coverage at the time can be located, even after the fact.

Waterloo Region criminal matters are heard at the Kitchener courthouse on Frederick Street. Provincial offences from across the region — Kitchener, Waterloo, Cambridge and the townships — are heard at the Waterloo Region POA court on Queen Street North.