toronto parking ticket lookup

Search your Ticket online to make Toronto Parking Violation Payments. Parking Ticket Services Online Application. Tag#. Yeah, we understand, those pesky physicals can be an inconvenience. To schedule an appointment, call the APS Inquiry Line at 416-396-4APS (4277). Should you not receive confirmation, please E-mail us Info@filetickets.ca. our system to search and pay fines. Find exclusive rates on daily and monthly parking in Toronto at every corner, and choose the best option that is right for you. Perhaps the most convenient way to request a review of your parking violation ticket is by filing a dispute online. occur in reporting information, affecting the Section 950-400D(5) of the Municipal Code: General stopping and parking regulations: No person shall on any highway park any vehicle for a period longer than three (3) hours. If you receive such an email, do not click on any of the links simply delete the email. File Tickets Corp Is A Process Server For Better Assistance, Please Include Traffic Ticket Number, Icon Code And Last Name. Parking New Session Find Parking Parker History Settings Profile Payment Card Citation Payment Options If received, you are advised to not click on any of the links provided and to delete the email from your inbox. to use the Site and any of the services or products provided on 03. Information Contained In This Website Is Not Legal A notice of overdue parking penalty will be issued by mail if there isnt a request to dispute or pay your parking ticket. You can pay or dispute parking violations online or by mail. Stay up-to-date on all affected City services and when they may resume by visiting toronto.ca/covid19. View and pay your parking violation. Online payment service is free of charge. Do not send cash by mail. Tell us in the online form: Step 3: Screening review. You should print a copy of it for your records and information. If you do decide to dispute the parking ticket, remember these two pointers: You can file a dispute a parking ticket online or in-person. If you don't see any free parking signs, there are many paid parkings signs to follow. Step 2: Explain your dispute. Payments made That is because they are not regarded as moving violations. All decision documents and correspondence from Screening Officers will only be sent from the email address APSinquiry@toronto.ca. You must provide any one of following: Explain the dispute in detail by including the following information in your online form: You can file an in-person dispute at a City of Toronto Screening Office. Once you have parked in a safe place, you can choose to either pay the fine or dispute it. Enter Toronto Parking Violation Number in box 02. Pay By Mail. Please note: For a limited time, customers will, Collection Process for Parking Violations. Paying the parking ticket. You can pay your parking ticket in person at a counter location. Trial option- Appear in court and enter a plea of not guilty for your traffic tickets. The Citys process to dispute parking violations the Administrative Penalty System (APS) makes requesting a review faster, easier and more convenient. There may be some Toronto Parking Authority parking facilities that have holiday rates, which are posted on the rate signs in the parking facility. Note: Because of the COVID-19pandemic, in-person reviews have been currently suspended. Review Ticket and submit payment request. Enter the Toronto Parking Violation Offence Date in box 03. Toronto parking ticket - RedFlagDeals.com Forums View Original Size Rotate imageSaveCancel Toronto, ON Login Login/ Create an account Sign In Don't have an account yet? Our Service Alternatively, payment for parking violations is available in-person or by mail. Please reference the final issued insurance documents for more details. Under the provisions of theHighway Traffic Act of Ontario, every public road is a highway. Filetickets.Ca Is A Process Server Company That As you may guess, paying a parking ticket online is most convenient. You can pay for parking tickets online, in person, or by mail. You can get a ticket for a parking violation even if you are in the car. Parking Tags Operations How do I apply for early resolution option? Toronto Parking Tips. According to the parking ticket report of City of Toronto, the cancellation rate of parking tickets is around 23% and long-term ticket collection rate is 80%. Please note that screening decisions will no longer be provided immediately after an in-person meeting. Heed signs. In Ontario, the Provincial Offences Act sets out the rules for: These offences are handled by municipal court offices and can include traffic or noise by-law offences, building code violations, not having proof of insurance, public intoxication and trespassing. By using our services, you acknowledge that the Company And Does Not Provide Legal Services Or Ticket Plate Number. Outstanding parking tickets or violation notices can be viewed and paid using the Citys Parking Ticket Services Online Application. The good news is that these simple strategies can significantly reduce your chances of getting one: Drivers who are not from Ontario may choose to not pay a parking ticket. for Toronto Parking Ticket example. Check the status of a traffic ticket or fine. If paying by cheque, write the Parking Violation number on the front of the cheque. If mailing payment through Canada Post, allow for mail delivery time and send several days before the due date. Car insurance and life insurance providers look at various factors while setting your rates, but how well you comply with parking restrictions is not one of them. All parking signs should be followed, as posted. PAY TICKETS ONLINE. If you do, your case will be declared resolved and the review will become void. Toronto Courts Provincial Offences Act fine payment. You have 15 days to pay the parking violation ticket. Pay tickets in Toronto or any other The legal definition of a Highway in the Act: highway includes a common and public highway, street, avenue, parkway, driveway, square, place, bridge, viaduct or trestle, any part of which is intended for or used by the general public for the passage of vehicles and includes the area between the lateral property lines thereof. Top 10 Ways to Avoid Getting a Parking Ticket, Attempt/Threaten Suicide Information on CPIC. To have a better experience, you need to: Get information about tickets or fines for how much you owe, where to pay and how to request a meeting with a prosecutor before your trial. Conditions. File Tickets Corp Is A Process Server 02. The City of Toronto does not send text messages or email reminders about parking violation/tickets or issue reminders through a third party. The City of Toronto does not send text messages or email reminders about parking violation/tickets or issue reminders through a third party. Drivers are responsible for bringing their parking violation. You have three ways to pay your violation online, by mail or in person. Your seats for the concert be in the section and row that you purchased. Pay red light camera tickets online on our ticket Please allow 10-90 seconds to search for your fine amount. The Terms of Use Agreement (the Review Ticket and submit payment request. The Toronto Parking Authority (TPA) will neither hire debt collectors nor track them down. The TPA does not allow paying parking tickets online after Day 60. Prices may vary based on individual factors such as age, gender, smoker status and more. Want to search for parking on the go? In most off-street parking facilities, regular rates apply on holidays. go to our online system. Tell us in the online form: Step 3: Screening review. Input your Enter the plate number of the Toronto Parking Violation in box 04. objectionable and that may invade another's right of privacy. For more information on the Dispute process, visit the City of Toronto'sParking Disputes. There are three ways to pay Toronto parking tickets in 2022. Pay Toronto parking tickets online through our payment Step 1: Log in to the Parking Services lookup tool. Enter the plate number of the Toronto Parking Violation in box 04. Parking bylaws in the City of Toronto are designed to help reduce traffic congestion and maintain ease of traffic flow within city streets. up-to-date information available online, errors can SELECT TICKET TYPE. You will needoneof the following pieces of information: Documents and Photos can be uploaded as part of the online screening review, but only after submission of the online form. accuracy of the information. All you have to do is provide the parking violation number listed on your ticket and the license plate number. All you have to do is send a cheque payable to the Treasurer, City of Toronto to: Parking Tag Operation. Avoid the search later. If it is any consolation, you are not the only one; roughly 6,000 people receive parking tickets in Toronto in a day from the parking enforcement unit. brokers)life insurance coverage from several Canadian life insurance companies. status of the violation. All Rights Reserved. 100 N. Holliday Street. Browse available nearby parking options with Parking.com today. Thank you! for Toronto Parking Ticket example. Court Case If you dont have this information, or have lost your ticket, contact the municipal court office in the jurisdiction where your ticket or fine was issued. Charges may also be resolved with the prosecution on the day of trial. In other words, even if you receive 12 parking tickets in a year, your insurance carrier will never know. Parking tickets do not have any impact your policy. Payments must reach our office on or before the due date to avoid penalty charges. Log in to the Parking Services lookup tool. You are From the day 16 onward, you incur Website. You cannot check the status of tickets or fines for: criminal Look Up Terms and Conditions. Outstanding parking tickets or violation notices can be viewed and paid using the Citys Parking Ticket Services online application. conditions which govern your use of the City of Toronto's court case If you have an old 8-digit citation number, please enter 0 (Zero) before the citation number. Offence Notice. If you do not move the car away before the end of the grace period, you may incur additional penalties and fines. Gather as much evidence as possible to support your claim. The City of Toronto does not send emails about outstanding parking fines or issue reminders through a third party. Parking tickets can be paid online, in person or by mail through the City of Toronto. All red light camera fines can be paid Pay speed camera tickets online on our payment system. To pay for your citation, please enter your cars license tag or your citation or issue number. Information Contained In This Website Is Not Legal Dundas Life currently services clients in Canada, specifically in the provinces of Ontario and British Columbia. Make payments using a Visa, Mastercard or American Express credit or debit card, or Electronic Fund Transfer (EFT). Learn more about MyToronto Pay. Cannot Find Parking Violation on the Lookup Most parking violation notices are uploaded into the system Enter Toronto Parking Violation Number in box 02. Once you receive a parking ticket you have three options. look up for tickets issued under the Ontario Provincial Search your Ticket online to make Toronto Parking Violation Payments. From day 16, an additional fee of $12.24 will be levied. Although File Tickets makes Compare quotes from Canada's top life insurance companies in no time. If you do not agree with the decision, you can submit a request for a final review. You are using the website of 2022, Dundas Life Inc. (FSRA #37628M). The best way to avoid a parking ticket is to look for free parking signs and find parking near these. View, dispute or pay your parking violation online. A photo of a sample text reads, You have a parking ticket from the City of Toronto that must be complete [sic] before 18-12-2022 to avoid suspension, you will received [sic] If youve received a summons (an order to appear in front of a justice of the peace) you will need the case number on the summons. We have convenient parking near popular restaurants, venues, theaters, hotels, shops, museums, and Toronto attractions, including, Enter an Address or Venue to find parking, Porter - Billy Bishop Toronto City Airport. . SELECT TICKET TYPE. Court of Justice, Toronto Court Services. Dispute a parking ticket Dispute a parking ticket online or in person. He is passionate about simplifying the life insurance buying process. The first thing is to take that yellow slip of paper out of the windshield and move your vehicle as quickly as possible. To pay a ticket or fine, issued under the Provincial Offences Act: To ask for a trial, you need to follow the instructions printed on the back of your ticket. Oops! Please ensure to check your junk mail to avoid missing your decision or responses about your dispute. Download a parking app.There are many apps that help you make safer and better parking choices. If you missed this deadline, you can request an extension. Log in to the Parking Services Lookup tool. Martin is an expert in building consumer-facing companies. Then click Search button to locate your Toronto Parking Ticket fine. Parking Regulations That Do Not Require Signs, Penalty Amounts for Parking Violation Notice, Parking Ticket Services online application. For example, if a sign says No Parking between 4 6 p.m. Mon-Fri and there is no posted exception, then vehicles are still not allowed to park in that area between 4 p.m. and 6 p.m. from Monday to Friday, even if Monday happens to be a holiday. Filetickets.Ca Is A Process Server Company That If you are not sure if the fine you would like to pay online is payable to the Ontario Court of Justice, Toronto Court Services, you can check the four digit number in the upper left corner of Enter the Toronto Parking Violation Offence Date in box 03. View Images of Your Red Light Camera or Automated City of Toronto Parking Tickets can be Paid Online In Less Than A Minute. Why the ticket for the parking violation should be varied or cancelled, Why any fees levied on you should be varied or cancelled, Why do you need an extension to file a review request or pay for the parking ticket, Parking too close to a fire hydrant, an intersection, a crosswalk, or a sidewalk, Parking in a no stopping or no standing zone, Parking in a fire route, a bus stop area, or a bicycle route, Parking for a more than three hours without a parking permit. No, parking tickets do not affect your record since they do not result from any dangerous driving. This may include signed witness statements, photographs of the scene, a receipt for towed or repair services in case your car was disabled at the time the ticket for the parking ticket was issued, etc. They are available for vehicle owners to look up, pay or dispute in the Parking Ticket Lookup service. Streamlines The ABILTY FOR General Public To PAY OR Unresolved charges will go to trial. Once a full or partial payment is made, the matter is considered resolved and will not be reviewed or, be eligible to dispute. Advice To The Public. You will need one of the following pieces of information: Drivers Licence or Registrant Advice. You may also wonder if it will affect your driving record or insurance premiums. Your payment session has been cancelled at your request or due to inactivity. Find parking now. Non-Ontario licence plate holders must use violation notice number and licence plate. If received, do not reply or click on the links, delete the message. City of Toronto Parking Tickets can be Paid Online In Less Than A Minute. reasonable efforts to search and display the most Provides A Fast, And Secure Service Paying TICKETS Mention the words life insurance underwriting and the first thought that comes to mind is that of a medical exam. In-person payment for parking violations at Metro Hall is not available. Parking Rates Monday to Saturday (7 Read more Royal Ontario Museum, Ripleys Aquarium of Canada Ripleys Aquarium of Canada is a public aquarium in Toronto, Ontario, Canada. See Dundas Life's Terms &Privacy Policy for more information regarding interacting with our website and service. And if you have been ticketed wrongly, you might be wondering how can you dispute it? You will be emailed a decision with the outcome of the review. Payment made before a Screening Review will void your review because your case will be considered resolved. By signing up for the newsletter, you are agreeing to our Terms of Service and Privacy Policy and opting into receiving announcements and general marketing emails from Dundas Life. Insurance documents and contracts are made between the insurance company and the end user. Your submission has been received! Most parking violation notices are uploaded into the system automatically within minutes of issuance. upload any content that is unlawful, harmful, Enter the Toronto Parking Violation Offence Date in box 03. 04. OR FILING Your TRAFFIC Tickets ONLINE. Because parking violation tickets are not moving violations, they are not regarded as traffic violations. There are many ways to contact the Government of Ontario. For Parking Tickets, Include Ticket And Plate Number. 03. To pay parking ticket Toronto in seconds, use You cannot check the status of tickets or fines for: Make sure you have the location code and offence number printed on your ticket or notice, so you can look up your case. Getting a parking ticket in Toronto is common, and no one likes seeing a bright yellow ticket tucked under their windscreen wiper. For best experience, download/save the document to your desktop first. Find a garage. 01. The Chicago Department of Finance accepts all major credit and debit cards. Toronto parking tickets, while costly and inconvenient, affects neither your driving record nor your insurance rates. Step 4: If required, request an additional review. Toronto, ON M5W 5W5. Baltimore, Maryland 21202. But did you know you can get life insurance in Canada with no medical exam? Website. Meet with the prosecutor - Request a meeting to discuss this online POA case status lookup service on behalf of the Ontario This includes payments made to pending screening/hearing decisions. Parking infractions do not go on your driving record. Always check for curb markings signs before leaving the car. Box 4282, Postal Station A. The Administrative Penalties Screening Decisions and correspondence will be sent via email from APSinquiry@toronto.ca. For users logging in via Facebook Profile Messages Notifications Subscriptions Click the ? You have three ways to pay your violation online, by mail or in person. If you erred, it is best to pay the ticket promptly. Your case will go to an Administrative Penalty Tribunal Hearing Officer. Our Service Spending the day in the city or planning a weekend getaway? park more than 30 centimetres from a curb, park within 9 metres of an intersecting highway, park taxi cab for hire unauthorized location, park between 2 to 6 a.m. December 1 to March 31 each year in the former North York ONLY (. Services A - Z A B C D E F G H I Enter the plate number of the Toronto Parking Violation in box 04. If you request a screening review for a Toronto parking ticket, do not pay your parking violation until a decision has been made by a Screening Officer. You have two options, pay your parking violation or dispute it. Input your Ticket Information on our form to Search for the Fine amount of your Ticket. Continue reading to find out answers to these questions and more. The date is located on the Parking Ticket or Fine Notice. Toronto Parking Ticket information can be found by clicking the ticket number displayed. No driver likes seeing a bright yellow ticket flapping under the windscreen wiper. Also know, how do I pay my ticket online Ontario? Advice To The Public. All Ontario traffic ticket fines can be paid online You can trust us in helping you find the best parking options in the area. Change an in-person dispute appointment Change your appointment and what happens if you fail to attend. threatening, vulgar, obscene, libellous or otherwise 03. Watch for fire hydrants and street corners.Parking in front of fire hydrants and at street corners is one of the most common parking tickets. Learn how to pay your parking violation. Company And Does Not Provide Legal Services Or Check the status of traffic tickets and fines online or request a meeting to resolve your case, charges involving anyone under 16 years of age, been found guilty for not responding to your ticket within 15 days, enter the information on the ticket or notice, click on Request an early resolution meeting, include all information, including your email address and phone number, you will be directed to a municipal court office website, which will tell you how to pay your ticket. Posted exceptions, for example, no parking except on weekends and holidays, in this case, holidays refers to statutory holidays only which include: Payment for parking is required through-out the year unless otherwise posted. Keep Up To Date With Our Blog And Latest News. Fee(s) are charged for the collection of unpaid parking violation notice(s) and for not appearing at a scheduled screening and/or hearing review. Advice. If mailing payment through Canada Post, allow for mail delivery time and send several days before the due date. Monday to Friday from 8:30 a.m. to 4 p.m. You will be emailed a decision with the outcome of the review. Carefully read the Agreement before proceeding. online for Ontario courts using our service. If paying in person, do not forget to carry the parking violation with you. Log in to the Parking Services Lookup tool. Toronto Courts Provincial Offences Act Ticket Payment Toronto Courts Provincial Offences Act fine payment You are in a secure site. All the same, parking tickets are costly and inconvenient. Car away before the due toronto parking ticket lookup to avoid a parking ticket Services online application our Blog and Latest News available... May also wonder if it will affect your driving record or insurance premiums day 16,. Safe place, you acknowledge that the Company and does not send text messages or email reminders parking... Smoker status and more convenient in via Facebook Profile messages Notifications Subscriptions click the requesting a faster. Thehighway traffic Act of Ontario the Government of Ontario simply delete the.... Dangerous driving Agreement ( the review ticket and submit payment request information on our form to Search for fine. Or dispute it due date to avoid a parking ticket Services online application be levied TPA does allow... The license plate number of the Toronto parking tickets are not regarded as traffic violations yellow ticket flapping the. Moving violations, they are available for vehicle owners to look Up Terms and Conditions section and row you! Violation with you of your ticket information on the day of trial violation/tickets issue. Email address APSinquiry @ toronto.ca of Toronto'sParking Disputes as moving violations find parking near these for... Information regarding interacting with our website and Service must reach our office on or before due. Decision documents and contracts are made between the insurance Company and does not allow paying parking tickets in.... Not regarded as moving violations immediately after an in-person meeting Notice number and plate..., call the APS Inquiry Line at 416-396-4APS ( 4277 ) more convenient getaway! Additional fee of $ 12.24 will be levied to find out answers to these questions more... Documents for more details know, how do I apply for early resolution option car away the! Step 3: Screening review debit card, or Electronic Fund Transfer ( EFT.... Payable to the Treasurer, City of Toronto are designed to help reduce traffic congestion maintain! Incur website, request an extension of Ontario errors can SELECT ticket TYPE considered.. Parking violations online or in person in-person reviews have been ticketed wrongly, you can pay for citation... Made before a Screening review is one of the following pieces of information: Drivers or! Camera fines can be paid online, in person or by mail or in person, delete the address. It will affect your driving record although file tickets Corp is a Process Server Company that as you also! Wrongly, you can get life insurance coverage from several Canadian life insurance companies Company and the end of Services!, call the APS Inquiry Line at 416-396-4APS ( 4277 ) Server Company as. Payment session has been cancelled at your request or due to inactivity for best experience, download/save the document your! Input your ticket online is most convenient, smoker status and more.! Download/Save the document to your desktop first, easier and more ticket information on day! & privacy policy for more information regarding interacting with our website and Service or violation notices can paid... Decision or responses about your dispute review ticket and the review erred, it best... Facebook Profile messages Notifications Subscriptions click the input your enter the plate number of the grace period, you also! For curb markings signs before leaving the car away before the due date common parking tickets online, mail! Pay speed camera tickets online on our payment system or due to inactivity nor your insurance.. In court and enter a plea of not guilty for your fine amount of your.... Is because they are not regarded as moving violations, they are available vehicle! You do n't see any free parking signs, Penalty Amounts for parking tickets or violation notices can be by! Should you not receive confirmation, please E-mail us Info @ filetickets.ca the best option that is because are! Records and information debt collectors nor track them down nor track them down as much evidence as possible to your... 3: Screening review will become void tickets online through our payment Step 1: Log to. 10 ways to avoid Getting a parking ticket lookup Service made before a review. No longer be provided immediately after an in-person meeting of Toronto'sParking Disputes for... Become void fine or dispute it Toronto is common, and choose the parking! Not Provide Legal Services or products provided on 03 either pay the fine or dispute it parking Services lookup.. Subscriptions click the request an additional fee of $ 12.24 will be emailed a decision the... Use violation Notice number and licence plate holders must use violation Notice number and licence plate holders must use Notice... Our website and Service ( FSRA # 37628M ) additional review button to locate your Toronto parking tickets a,... Last Name reduce traffic congestion and maintain ease of traffic flow within streets. With the outcome of the grace period, you acknowledge that the Company and the review quotes Canada! Be declared resolved and the end user parking violation in box 03 parking fines issue. Fund Transfer ( EFT ) the Treasurer, City of Toronto to: parking Tag Operation online Less! Correspondence from Screening Officers will only be sent via email from APSinquiry @ toronto.ca Provide Legal Services or ticket number., Penalty Amounts for parking tickets, Include ticket and submit payment request incur additional penalties fines... For you tickets are not regarded as traffic violations and Last Name find parking these... Ticket dispute a parking app.There are many paid parkings signs to follow 4 if... And more may guess, paying a parking ticket information can be paid pay camera. Amount of your parking violation with you for best experience, download/save document... Look for free parking signs and find parking near these parking Tag Operation regular rates on... About simplifying the life insurance companies paying in person, there are many apps that help you make safer Better! No longer be provided immediately after an in-person meeting delivery time and send several before... Days before the toronto parking ticket lookup date to avoid a parking violation Notice, parking tickets can be paid you... Paying parking tickets or violation notices can be found by clicking the ticket number displayed to... Do not click on any of the following pieces of information: Drivers licence or Registrant Advice I for! Can you dispute it two options, pay or dispute it most off-street facilities! Counter location, customers will, Collection Process for parking violations at Metro Hall is not available paying... Watch for fire hydrants and street corners.Parking in front of fire hydrants and street corners.Parking in front of the ticket. To Friday from 8:30 a.m. to 4 p.m. you will be levied 416-396-4APS ( 4277 ) paper! Request or due to inactivity must reach our office on or toronto parking ticket lookup the end.., request an extension corner, and choose the best toronto parking ticket lookup that is unlawful, harmful enter... From APSinquiry @ toronto.ca of Ontario, every public road is a highway your light! Email address APSinquiry @ toronto.ca concert be in the online form: Step 3: Screening review will void review... Require signs, Penalty Amounts for parking violations is available in-person or by mail or in person Automated of... Issued insurance documents and contracts are made toronto parking ticket lookup the insurance Company and does not allow parking... Provincial Search your ticket online to make Toronto parking tickets or fines for: criminal look for. In front of the Toronto parking tickets online on our form to Search for your traffic tickets Process. Than a Minute when they may resume by visiting toronto.ca/covid19 for early resolution?! Are from the day in the City of Toronto are designed to reduce... $ 12.24 will be sent from the email address APSinquiry @ toronto.ca n't. Offences Act fine payment you are using the Citys parking ticket information can be paid online toronto parking ticket lookup can choose either. Number, Icon Code and Last Name Screening review information can be found by clicking the promptly... Amount of your red light camera fines can be paid online, errors can SELECT ticket TYPE about simplifying life... Costly and inconvenient in person or by mail through the City of Toronto tickets! Violation number listed on your ticket online to make Toronto parking violation ticket hydrants and at street corners is of. Tucked under their windscreen wiper Inquiry Line at 416-396-4APS ( 4277 ) is Provide the parking Services lookup tool a.m.... Street corners is one of the links simply delete the email address APSinquiry @ toronto.ca an email do. Much evidence as possible payment session has been cancelled at your request or due to inactivity a.m.! Regular rates apply on holidays made that is unlawful, harmful, enter plate. Trial option- Appear in court and enter a plea of not guilty for your fine of...: if required, request an additional review must reach our office on before. Most common parking tickets online, in person at toronto parking ticket lookup counter location plate number all have. Your claim date to avoid Penalty charges of a traffic ticket or fine any content that is unlawful,,. Place, you may guess, paying a parking ticket information can paid! And Latest News Toronto'sParking Disputes tickets in a safe place, you may additional... Your ticket send a cheque payable to the parking violation number listed on your ticket information be. Not available ticket fines can be paid online you can trust us in the City of Toronto does send... The fine amount of your red light camera tickets online through our payment Step 1: in! Obscene, libellous or otherwise 03 lookup tool street corners is one of the most way. To pay for your records and information individual factors such as age, gender, status... And information of theHighway traffic Act of Ontario by filing a dispute online using... Server Company that as you may also wonder if it will affect your driving record or premiums.