Can You Register A Car With A G2 Licence In Ontario

Do I need insurance to register a car in Ontario?

Question: I'm buying a car - used, private sale. More accurately my parents are buying it for me. I live about 400km away from my parents at the moment. - I have a G1 (working on my g2) so I can't get insurance on my own right now. - We asked if I could get insurance with my dad but he would have to own the car (which would mean he'd have to take the 8263817623 hour trip up here just to sign the papers) - We asked if we could insure it temporarily with my boyfriend since he has a full G license -> I wouldn't be able to be insured with him since he's had it less than 4 years -> For normal full term insurance with just him would cost an arm a leg and our souls plus he would have to own the car -> No one does temporary insurance unless we're already with the company - The MTO website says that you need to register the car within 6 days of buying it and you need to present proof of insurance when you register if you're putting the plates on the car. (Does this mean if I don't put plates I can register without insurance?) - when the car is purchased, the date of sale goes on the transfer application so I'd really like to adhere to the law if possible I tried calling ServiceOntario to ask For drivers and accessibility permits press 1. For vehicle Licensing press 2. For Driver licensing, sticker renewal, and serviceontario kiosk, press 3. For drive test booking press 4. For carrier inquiries press 5. If at any time you wish to return to the previous menu press 9. To repeat the message press star. *pressed 5* -Disconnected- -______-''' I don't know what the hell happened, I don't even know what they mean by "carrier inquiries". either way waste of time. I've tried about everything I can think of except going to the vehicle licensing place and asking someone there. So I need a straight answer if anyone knows it. Do I really need insurance to register a car in Ontario?

Answer: You only need insurance if you plan to plate the vehicle. To register the vehicle in your name you do not need insurance (or even a driver's license for that matter). However unless you make arrangements with the seller to keep the vehicle at their place you'll have to have the vehicle towed to your place. I do know of one insurance company that will rate a G1 driver as the principal operator of a vehicle in Ontario. They will do it if there is no other driver in the household who has had a valid license for 4 years that can act as the accompanying driver. The company is Perth Insurance. You can contact Perth at the link below to find a broker near you. You may not like their rates, but there's no real alternative until you get your G2.

Got in a car accident in a different city.. need help on what to do?

Question: I'm supposed to leave the province (Ontario in 3 days) for employment in Alberta. and just last week i had the bad luck of getting into a minor collision in Toronto(insane traffic on the 400 highways i'm not used to it)). I was coming off the highway 427 north and hit stopped car at a red light (near the ramp near burnhamthorpe) and the impact of my car made him hit the car in front of him. (I guess he stopped too closeley??) I was wasn't going faster than 30-40 kmph it was my fault i didn't break hard enough from back off the ramp. I had my camera with me so i got out my car and we exchanged drivers license information and decided the damage wasn't enough to call the police and get a report. We decided to settle this without dealing with insurance (we didn't get each others insurance information either... just drivers license i had a G he had a G2 and make/model of car) I took detailed pictures from my digital camera of his vehicle made him pop the trunk took pictures inside made sure there were no dents or dings on the body.. and got clear shots of the front and back bumper... so i figured it wouldn't be much just throw him a couple hundred bucks cash and that would settle it. (In the pictures it shows the no damage to the bumpers front and back just some bits of paints and scoff) so he leaves the scene and i leave the scene and pull over at gas station to examine my vehicle made sure no fluids leaking it was in drivable good shape no damage was done except 2 small crask in the front bumper and a ding in the steek frame no big deal car is drivable i can live with that so i drove home 3 hours. so i'm waiting for a call and i get a call from him 3 days later and he sends me an estimate of repair (from a DEALERSHIP) which was about 2100 bucks. apparently they need to replace both the front and back bumper of his car with new factory ones then refinish them blah blah.. i said that was ridiculous and asked if i may shop around for other estimates in his area you know check out other body shops and he planely refused. He wants me to go to the most expensive body shop (the dealership) on his 2004 vehicle model.. i wanna pay him for the damages not get ripped off and pay for a rainy day. i showed the pictures i took and their estimate they sent me to about 8 or 9 different mechanics and body shops and they all quoted me within the 800-1300 dollar range for both bumpers which is acceptable and i'd pay it to settle it with him.. he refuses and wants to go through a dealership he is now blackmailing me saying if i don't pay him his 2200 dollars by friday he will report me to the collision centre and go through insurance. it's been 8 days since the accident and neither of us reported it to the police or any collission centre or insurance... because we thought we'd settle this with ourselves... In Ontario you MUST report a collission within 78 hours i think to the police if damages over 500 dollars and injuries there were no injuries in our case and my dmg i thought at the time was 200 dollar job i got a quote back for 700.. We are both in trouble and have broken the law by not reporting will he actually go to his insurance and repotr a collision 8 days after? wont' they ask him why he didn't do it right away?? is he in equal trouble as I am? i need help on what to do.. should i suck it up and pay him the 2200 bucks? or let him go through insurance and face the penaltys of not reporting a collission.?? i'm supposed to leave the province in a couple days so i dunno how to deal with this!!! ALSO OF NOTE i am not insured.. i was driving my parents car under their insurance (which i am not apart of) and i also noticed on the quote he game me he doesn't have insurance either.. he was driving his girlfriends car and it's registered and insured under HER name.. he was in the car alone with a G2 does that help at all?? it came at the worst time sorry for the long post stupid me i signed a paper at the scene that he wrote saying i would pay for the damages.. i didn't think he would take advantage and blackmail me to get the best out of me.... i also got him to sign a paper saying not to go through insurance is that helpful at all?

Answer: Short answer: you're screwed. Your pictures mean nothing as you failed to realize that structural damage/non-cosmetic damage can occur which can only be discovered by trained personnel doing a inspection of the underside. The fact he has a G2 is meaningless. You may not owe him for the damages buy you'll certainly owe his girlfriend, the owner of the vehicle, for damages. The fact neither of you reported the accident to the police is also meaningless in the scope of your liability for damages you caused. In the end the owner of the vehicle chooses where they want to get their vehicle repaired. They're under no obligation to obtain another quote. It's up to you to prove the work required is excessive or unnecessary (i.e. you'll need a mechanic to say the work is unnecessary, not you saying it's unnecessary). Your parents insurer may still agree to cover the loss (although signing the paper saying you'll pay for damages is a big no-no). All you can now is have your parents report the accident to their insurer and see what happens. Either that or pay the $2,200.