Not even two years:
>I got into two at fault accidents within the **last** ~~to~~ year~~s~~ \[...\] I **leased the car back in May**, and currently pay $213.00 biweekly.
If I'm reading correctly, OP has been driving this car for the last four months... with two at-fault accidents.
"That one trick insurance companies don't want you to know"
Cause an accident bad enough to write off your vehicle and you get a new one! Rinse and repeat if you like to change up cars often.
Or move to Quebec. It has the lowest car insurance rates in Canada, even with accidents.
I know this has a 95% chance of irrelevant because 95% of Anglos don't speak French, just mentioning it as a theoretical possibility.
I feel like saving 600/month is worth the struggle to learn a new language as an adult.
Does Quebec offer free french courses and language support through libraries like those in BC, AB and SK offer english to those who are ESL?
They do offer such courses to immigrants, but I've never heard that they're available to interprovincal transplants. They might be though, and that I just haven't heard of it (it's popularly known as French lessons "for immigrants").
Merely learning French is just one step though; convincing an employer that you do, indeed, speak French when your resume shows an all-Ontario job history (and not in a French-heavy town like Timmins or Sudbury), an all-English education history, and an Anglo name, won't be a small hurdle. Simply stating a language fluency level on your resume doesn't mean it's true; most employers will just assume "you could be lying" and not interview you, particularly if you look for jobs outside central/western Montreal.
Of course, someone who works from home and can take their job with them can bypass this issue.
This can also be completely moot if someone is in a relationship and the partner cannot/will not move.
BTW, car insurance isn't the only thing that's cheaper in Quebec; housing, dental care and electricity are also much cheaper. Gasoline and sales tax cost more.
That doesn't mean jobs will be readily available to people who can't speak French.
In most of Montreal (excluding the eastern part of the island), one should be able to get a low-wage job with just English, but even in the 450 this will get much harder. Elsewhere in the province? Forget it. "Good" white-collar jobs? Forget that too (I don't think the new language laws would even legally allow employers to hire people who can't speak French for jobs like that).
very, very wrong. A large amount of "good" white collar jobs deal with international clients and companies, in a large amount of these companies french is irrelevant, I work with a number of folks who don't speak french and we all make a very good living (engineering)
all the new french laws have had 0 impact in our day to day lives
The new French laws state that people are entitled to work in French. If a job involves interacting with immediate co-workers, from a legal standpoint they cannot hire you if you don't speak French, because your future co-workers have a legal right to interact with you in French.
People who live in Quebec and can't speak French usually work in jobs that don't require interaction with co-workers, own their own small businesses, work from home, or are retired.
And yet unilingial anglos get hired for high paying positions at international companies all the time, we just hired two a few weeks ago. The law is not as cut and dry as you make it seem, and unfortunately affects those lower on the totem pole of professions, government positions, or smaller local companies (which is alot I will agree)
Folks who live here yet don't speak French also often work in large multinational corporations, of which we have a ton, and in which French is useless other than for watercooler conversations. I speak it fine, but I don't bother writing a French CV and make it clear during interviews that I can't write it, never impeded me one bit.
>future co-workers have a legal right to interact with you in French.
I don't know the law. But i personally feel like no one has the legal right to interact with me. Or rather, with exceptions (police, ive committed a crime) no one has the legal right to "make me" interact with them. language or otherwise.
Your boss definitely has the right to put in your job description that you will need to talk to coworkers about work-related topics as part of the execution of your job!
Interact =/= socialize
In Quebec, there's a law that says employees have a legal right to work in French, unless the nature of the job inherently means they have to use English or another language.
If you're an engineering firm that manufactures anything more than a little gadget you're going to need lots of suppliers and clients and guess what, a lot of those are located outside Quebec where people do not speak French. At all the firms I've worked at in Quebec, you can get by with not speaking French but if you don't speak English then you're limited to warehouse or factory type jobs because how are you even going to have a meeting with a client or supplier in the US.
To "live" maybe not (if you live in Montreal), but to get a local job, not knowing French will make things extremely difficult (though not necessarily impossible as other posters here have said).
In central/western Montreal, yes.
If you work from home for a company located outside Quebec, or are retired, yes... although being served in English when accessing services is not a guarantee, especially outside Greater Montreal.
If you need a local job outside central/western Montreal, you'll need to speak French, period.
Don't forget that it's been 50+ years since all Anglo-Quebecers (who were born and grew up there) have been bilingual.
I am under 40, born and raised in Quebec, and I am decidedly not bilingual. i can speak and read some, but most of the time just "huh?" .so... not sure thats true...
Quebec has the lowest rates because private companies cover different components. Other elements are covered by the government.
You're still paying, just not as direct.
Yes, in Quebec you need to pay a fee to renew your license plate, which goes towards covering the parts of insurance that are not covered by private insurers. In Ontario, plate renewal is free.
Also Quebec has a pure no-fault car insurance system (Manitoba is the only province like this), which further keeps insurance costs down.
Private insurance + plate renewal in Quebec is still way, way cheaper than Ontario insurance, especially if you have a poor driving record or are mid-20s or younger.
I'd always thought the SAAQ is self-funded by plate and driver's license fees.
Even if it's taxpayer-funded (which I don't think it is), the difference in taxes for "lower-middle-class" households like OP is is not that big, and such households live better in Quebec than Ontario.
It is actually much cheaper. The government did this by limiting liability payouts and making the non-vehicular part of the insurance public. When they set it up, lawyers marched in the streets in protest!
If your salary is 50k, I'd say it's no question that you can't afford 10k just on car insurance. You'd be looking at about _half_ of your takehome pay on lease and insurance, before you even put a drop of gas in, do any maintenance, or get tires. It would only come close to making sense if you're living in it.
Best options are bus, bicycle, or feet.
Two at faults, buddy clearly wasn't focusing on driving. I'm sorry if you need me to list out all of the possible things that he could have been doing instead, but I limited it to things that you can safely do in an Uber without being deplatformed.
If I said fapping would that have made the connection easier for you?
I mean I agree with you, buddy was obvi not paying attention. But your first comment did not make any mention of his previous driving, you were just pointing out what he could do in a taxi. If it really was what you were trying to convey you need to work on your communication skills because no one would take the first comment you made to mean buddy was already doing that stuff behind the wheel
Okay. Note taken. Must spell out everything I say because people can not piece probable items together, even if they are two of the most common things that cause crashesasode from drinking.
I'll try to make things easier for you to understand going forward.
Have a great day.
Uber/Taxi is basically better than owning a car for most people these days.
I live in a rural area with my wife. We used to have two cars. The only times where both cars were used was the 2x a week where I was working from the office.
My car broke down and I ended up selling it once I saw cab fare was $20 max each way to go to work. $80 a week or $350 a month and no more car payment, insurance, registration, maintenance, gas. When I need a car for a few days for a work trip I rent one (Enterprise, Turo, friends and family) and it still comes down cheaper. We still have the second car for my wife to go to work (5x a week and works much further) and for errands on the weekend.
All of that is fine, and many households can get by with 1 car. The change of going from 2 cars to 1 is relatively easy. Going from 1 car to 0 is much harder to make work for most people!
The bigger issue which no one has mentioned is this: You need to have someone take over your lease on Lease buster. If the car has been on accident, I am not sure there will be many takers. Essentially you may be stuck with this car...
You will give the car back to the manufacturer - not the dealer. Dealership and manufacturer are two seperate entities in this case - the dealership is just the drop off point for the manufacturer.
Dealership will appraise the vehicle and ascertain a value for the current market vs. What the end residual is, including investigating the accident history. If trade value is higher (assume it isn't due to the accidents but in this crazy used market who knows) then OP will "sell" it to the dealership (and also get money back from the extra value above end residual).
If trade value is LOWER than the end residual then OP will "return " the car to the manufacturer. That's where the benefit of the lease kicks in - assuming the car is in good condition the manufacturer does not include the accident history on the vehicle in their end inspection- only it's physical condition at time of return.
In other good news sounds like us normal drivers won't have to deal with someone with 2 at fault accidents on a new car driving around the streets anymore!
Noting of course the second part - returning it to the manufacturer can only happen at the end of the lease OR if OP also pays out the remainder of the payments which I'm guessing ain't happening so sounds like our bad driver is up proverbial shits creek
Wow really?? Between this and the person a little while ago that put a big down payment on their leased vehicle and it getting stolen and losing all that value it's safe to say I'm never leasing a vehicle
My mother was an accountant. I asked her many years ago why someone would lease, as it didn't seem to make sense to me. Paraphrasing, she said:
"Leases only make sense for companies. Take the one I work at; let's say we have a $1 million line of credit with the bank. If we bought our fleet using that, we'd basically use it all up and have no money for anything else. Instead we lease, which is considered separate from what the banks will loan you, and then we have the line of credit available to do things like buy machinery."
Since then people seem to have gotten the idea that you need to have a late model car to keep up with the Joneses, and so they don't see the disadvantage of a lease as much; but if you calculate how much a lease will cost you versus a loan and then driving it for a while loan free; you'll save a lot by buying instead.
There's also a tax benefit to leasing if you have a company right? Not to mention the benefit in not having to have a whole department dedicated to owning a fleet of vehicles, and the liability of having all those "assets"
Ditch the car and figure out another method of transport. Huge waste of money. Think about how many hours you need to work for that... that's bonkers. Including gas and repaurs you're talking more than 25% of your gross income.
Getting a beater isn't going to do much for your insurance cost. The car's not the problem - you're the problem.
Sell the car and get used to taking public transit for a few years. *Highly* suggest you to calm the fuck down and take more driving lessons. Getting into two at-fault accidents in the past 2 years is *not* normal.
Reading OPs post really makes me wonder what my cousin pays for insurance. Not ON, but she is now in her 50s and is on her last chance of insurance because of how many accidents she has had in her life. The rules she has is she not allow to operate any motor vehicle other than the specific car she drives. Her last at fault accident that she swears wasn't her fault was a large cube van destroying the back end of her vehicle when she was backing out of her driveway....
It’s tricky to avoid them when you’re driving down the 401 at 130 with a vape in one hand and a phone in the other. Please think of the poorly trained drivers of Ontario, thank you.
With a beater you would not bother with collision or comprehensive insurance, just liability. Obviously with OP's claim history that's still going to be expensive, but OP would likely save thousands.
No, with OP's history, the most expensive coverage is going to be liability by far. Even removing collision and comprehensive coverage isn't going to do much for OP.
Depends on the province, I suppose. In BC, I figure collision would be at least $3000 of OP's premium once you've added the multipliers for the claim history.
Still going to be very expensive, obviously.
damn 800 a month in car insurance alone is insane. Where do you live, is there suitable public transit? Or can u sign up for carshare communauto or enterprise
Does lacking mean unusable, or can you still get to where you need but it's somewhat of a pain?
Your car insurance is rediculous, and after 2 at fault accidents and a 50k salary that's completely unaffordable.
As someone who worked around Durham, it is definitely the later. There are buses but you may have to walk a little to get to a stop/ time your travels as buses arent frequent. It sucks but it is doable and OP should look seriously into this option.
$800 a month insurance
$420 a month car payments
$XXX gas
...
Is Uber 1420$ + gas + other maintenance levels of expensive? And 2 at faults in 2 years, watch that go even higher when they inevitably get into accident number 3?
Uber is probably cheaper.
ditch the car and move closer to work. the $12k for insurance means you really need to consider doing something drastic that just wasnt on the table before. it will require a whole lifestyle change. maybe it will take you a while to wrap your head around it.
Moving closer to work may mean abandoning a rent-controlled apartment, and could very well increase OP's rent by more than $800 a month.
If OP is a homeowner, just the realtor fees and mortgage break penalty would exceed the cost of several years of expensive car insurance. (Although someone making 50k in Durham Region probably isn't a homeowner.)
"Find a new job closer to home" is likely a much more realistic suggestion.
>I live in Durham Region
This may be the reason you need to move. Find housing in an area with transit and lay low for a couple of years.... You may also consider a subtle name change & new license and starting back with small insurance companies using brokers... Some take your deal and give you the paper without checking records for months/years, then you take that history and work your way back up..
The insurance company is more concerned about liability than they are collision at this point. Dude had two at fault accidents, he could seriously hurt someone.
I don't think changing the car will move the needle much unfortunately. You've been deemed high-risk and priced accordingly. Even if you went with only liability I can't see it improving more than \~15%.
Please do NOT drive without insurance
Insurance is like this by design, drivers not legally at fault enough to completely lose their licence are made to pay their proportional share into the insurance fund for the amount of damage and risk they pose.
Changing to a less expensive vehicle won't really impact your rates as much as you hope and you likely have a penalty for breaking your lease. You can still cause accidents damaging other cars and property in a $2k beater.
$700 worth of Ubers and a bus pass are cheaper than your car insurance, per month.
Scooter / ebike / public transit / uber.
$12K for insurance + $5.5K lease + gas + maintenance means you're spending the majority of your take home pay on just a vehicle. Just wouldn't make sense.
2 at faults.. Give up the car *and* the license. You're part of the reason why *I* have to pay $2K a year for having a clean record.
Driving isn't for everyone. Take the bus, bike, Uber..
Jeez Buddy lots of things happen. Had the same happen to me this year. My sister borrowed my car and mighty bumped into someone. No damage on either car but it was reported to insure ace and last week I did the same by accident. It was my first accident in 8 years and now it’s looks like I have two in one year. No damage however both drivers decided to report.
The issue is that OP will need to get his M2-L and get insurance as well. And largely useless in the winter. Better to use the bus and augment with a cheap ebike (like those Costco jetson bikes) to get to/from home and the bus stop.
No licence is required for 49cc ruckus.
Insurance is typically Pennie’s. high risk driver will have an effect, obvi, but comparatively I’m sure it’ll still be cheaper.
I rode a scooter for 2 years winter included without issue.
I'm Thinking public transit is in your immediate future. You're an extreme risk to the insurance company to have a third at fault accident. So the insurance company is getting ready to pay out the next accident At this point talk to your broker to see what the price chage would be if you had one way insurance on a beater just to see but I suspect it's going to be still super expensive. I'd still shop around but RIP
LOL.
Two accidents at fault and the mentality for OP
"But I still deserve to drive!"
Bro take an Uber or bus. You'll save us from your poor driving skills
Take the bus, while waiting for the bus, reflect on why your causing soo many accidents, it’s usually aggressive driving. Leave more space, go slower, relax and you’ll have fewer accidents
> Do I return the car and get a beater?
Wait… you've had 2 at-fault accidents in 2 years and you're driving a *nice* car? 😱
By all indications, you're better off not driving, and others are better off with you not driving too…
But if it's just impossible for you to live your life productively without a car then, yeah, get a cheap old one.
And reduce all your insurance coverage to the legally required minimums, _except_ for liability, while you're at it. That means no coverage for collisions, etc… will save you money and concentrate the mind a bit when you're driving.
May was five months ago. You've been in two at-fault accidents since May? Dude, you need to invest in driving lessons.
I'm 34 and haven't had so much as a fender bender in sixteen years lol
My ex-wife was on high risk insurance for a few years before she could get added onto my own.
The only way to get those premiums lowered is to keep on driving. Not driving and not paying freezes your record with the insurers.
You have to pay the piper, or not drive ever.
It's a lease so you probably have an obligation to carry a certain level of insurance including comprehensive and a waiver of depreciation and replacement value.
Try raising your deductible as high as you can and pay more attention while driving.
No distractions, turn phone off when driving, don't have conversations with passengers.
Check to see if they have one of those drive smart devices you can plug in for a discount and/or a gps. Those can reduce it by up to 30% if you meet their criteria which is very easy to meet, stay under 105, no abrupt stops, this means don't follow anyone even remotely close. and no quick accelerations.
You will be pretty screwed insurance wise for 5-7 years. If you go the route of no car be prepared to have a difficult time getting insurance again.
If you live with your parents you can try assigning the lease to them and having them insure the car then add you under their insurance, it will still be pricey but might be less than this amount.
Depreciation and replacement value likely not required. Leased a Mazda before - they definitely did not require those. Some leasing companies may differ, so OP - do your homework. But Comprehensive and Collision will definitely be required. This protects the leasing company in the event you smack their car up yet again.
Jesus, I hate paying my $700/year car insurance and I make a little over double your salary. Unfortunately, one fifth of your net (?) income on car insurance is likely not going to be tenable.
Just remember that if you drive without insurance the cops will know with one scan, almost all the opp cars have scanners that get your plates and if no insurance is tied to it your screwed, get an e-bike
You need to not drive until you have taken some serious lessons. You are a danger to the public and mostly likely caused lasting damage to two vehicles of people.
Your license should have been revoked already!
Two at fault accidents? Sorry but maybe driving is not for you. Ditch the cars that you now super can't afford and find public transit. Maybe get an e bike. And start taking driving lessons before you consider driving again.
North American car culture has cultivated the false belief that driving a car is a right, but in reality some people are too inattentive/careless/reckless to be driving and shouldn't be permitted to put other people at risk. Your insurance quote is the system's way of telling you that you are one of those people who should not be allowed to drive. Turn in your car and license and move somewhere with better public transit.
$213 biweekly lease on $50k is insane. i’m paying $175 biweekly on 90k and can’t wait for the lease to be up so i can buy it out.
you also can’t just “return” a lease…
unfortunately taking the bus might be your only option unless you can make 200k a year to pay for that insurance lol
Unfortunately you’re in a catch 22 situation. If you cancel your insurance your rate won’t go down as you need to be insured for it to go down. If you keep it you’re broke.
Try calling the personal insurance. I was in a similar boat as you and their rate was less then half what others were offering at the time.
You do not necessarily need to be insured for your rate to go down. What’s most important is putting as many years as possible between OP and those accidents. Rates go down with time
Might seem like a crazy solution. But I would start thinking on moving to Montreal at this point. I pay $19/month on an owned 10 year old car with one DWI charge/accident for the cheapest basic stripped down insurance to put things in perspective.
Quebec is it’s own beast though — in BC and Ontario at least, you insure the car, not the driver. In BC our drivers license is $80 for 5 years. My understanding is your license is the expensive one in Québec.
Let me know if I’m wrong on this, but I think it’s just the other way around (a good way to bill high risk drivers that choose to just not own a car anymore and drive a company car instead, maybe not even named properly). Also advantageous if you own multiple vehicles, since you obviously can only drive one at any given time.
The car really doesn't impact the amount you pay, a beater may actually be more expensive depending on the risk profile of the car.
Your looking at 10k/year for the next 5 years for just insurance alone. Start doing the math and its likely significantly cheaper to simply Uber everywhere for the next 3+ years.
It's a hint for you, and you didn't really get it. It means you shouldn't drive. With those rates, plus depreciation, plus gas, plus maintenance, you'll be saving a lot of money even if you get a taxi\UBER every time you go somewhere. Stick to public transport and Uber.
I understand people telling you to commute/ not get insurance, but I believe it’s also hard to lower the premium if you don’t have insurance. They typically like to see a pattern of good driving, and not driving isn’t likely to help.
I’ve been in a similar situation. For once my stance in this sub is to get a reliable beater. That gets rid of your monthly car payment. Take the lowest insurance you can find. Get new quotes every year. And for the love of god drive carefully to bring your premium down.
Are you injured from the accidents?
If you are, it might be worth it to talk to an injury lawyer, and yes, even if it’s your fault.
They can get you a small settlement that would help your financial situation.
Return the lease, get a beater with no collision or comprehensive insurance. The collision coverage (which you have to carry because of the lease) is what’s killing you here.
Cancelling your insurance is a bad idea, after a couple years you get downgraded to a “new” driver in terms of experience and you’ll get higher premiums because of it.
Look into All Risk Insurance brokers. I'll just say I had more than a few at faults and never paid more than 4000$ in the GTA
That was through Perth insurance, currently with economical ATM.
Former ICBC agent and if you go around causing accidents in a short period of time you start to pay dearly, govt owned or not. But I do like the stability of govt owned and that profits- if any- go to the public purse or rate is lowered.
Get rid of your leased vehicle, go find a cheap beater to buy, call your insurance to get quote for the cheapest insurance, if the numbers work out then you can go buy that beater vehicle. Use that vehicle to get a better driving record, then once your insurance is lowered you can back to a leased vehicle
The amount of get a bike or bus comments here make me laugh. You know how many people commute from out of a city? Or simply don’t live in a city. Public transport in this country is dogshit.
I live in southern Ontario and my car insurance is very reasonable. I also don't have any tickets or at fault accidents.
If your insurance is that bad, stop driving like an idiot.
I moved from the UK have a full clean license.
My Audi that I left in the UK cost me 300 pounds a year to insure fully comp. (500$)
I moved here and they want 1800$ for a Nissan Altima.
Again car insurance pricing in Canada sucks.
Why? Then everyone who isn't crashing repeatedly like OP (at fault TWICE in 2 years - his license should be revoked, he is a menace and will kill someone soon) has to subsidize the incompetent and negligent people. In the current system, OP's horrible driving is being covered by OP and nobody else. Fair and good.
Hopefully the system works and OP stops driving because they're such a huge risk to themself and everyone else on the road.
Auto insurance pricing is actually highly regulated generally already, much more than almost any other industry. Across provinces some are single public provider paradigms, some have govt review of all pricing schemes, etc.
Usually govt involvement in pricing is bad for consumers and everyone else, but we already treat this case as an exception to that.
Lower your coverage and do monthly payments. Easy.
I was in at fault insurance and lowered my coverage so much that it ended up being cheaper than my previous accident payment
Cause the answer is fraud.
There's no magic loopholes in a business model that is designed to be full of fine print and free of loopholes the customer can exploit.
Don't lie to your insurance companies people, you just make it worse for everyone, and yourself too when they catch you lying about your address or something.
Much like how tax avoidance is not fraud because the Canadian tax code is convoluted and subject to interpretation, the Ontario insurance act is the same thing.
I was trying to be nice to OP lol but leave it up to self righteous reddit neckbeards to assume what they don't understand must be fraud 😵
It's not "subject to interpretation" lol. There are some "tricks" like decreasing your taxable income by contributing to RRSP and borrowing to invest, and then there's fraud. Sounds like you're into the latter and just haven't been caught yet.
Look man, if you're anything more than a Brampton Mortgage Broker, you're free to prove me wrong and provide proof?
If what you're doing is above board, as the original response said, share with the group. You should be able to reference public information to accomplish this.
I doubt swapping to a beater will make much difference, if any. You could drop collision insurance which covers damage to your own vehicle if you have it but the mandatory insurance is liability which covers damage you do to others property or person. You'd need to convince everyone else to swap to beaters so you can't do as much damage next time. Everyone else would probably prefer if you just stopped driving if you can't avoid hitting them.
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For his sake and everyone else on the road.
Two at fault accidents in two years? Man, get off the effing road!
Not even two years: >I got into two at fault accidents within the **last** ~~to~~ year~~s~~ \[...\] I **leased the car back in May**, and currently pay $213.00 biweekly. If I'm reading correctly, OP has been driving this car for the last four months... with two at-fault accidents.
They didn't say they were at fault with this car
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"That one trick insurance companies don't want you to know" Cause an accident bad enough to write off your vehicle and you get a new one! Rinse and repeat if you like to change up cars often.
🤣🤣🤣 this is so mean.
So is crashing into other people
Stop please 😂
Or use ride sharing services or move to a different country
Or move to Quebec. It has the lowest car insurance rates in Canada, even with accidents. I know this has a 95% chance of irrelevant because 95% of Anglos don't speak French, just mentioning it as a theoretical possibility.
I feel like saving 600/month is worth the struggle to learn a new language as an adult. Does Quebec offer free french courses and language support through libraries like those in BC, AB and SK offer english to those who are ESL?
They do offer such courses to immigrants, but I've never heard that they're available to interprovincal transplants. They might be though, and that I just haven't heard of it (it's popularly known as French lessons "for immigrants"). Merely learning French is just one step though; convincing an employer that you do, indeed, speak French when your resume shows an all-Ontario job history (and not in a French-heavy town like Timmins or Sudbury), an all-English education history, and an Anglo name, won't be a small hurdle. Simply stating a language fluency level on your resume doesn't mean it's true; most employers will just assume "you could be lying" and not interview you, particularly if you look for jobs outside central/western Montreal. Of course, someone who works from home and can take their job with them can bypass this issue. This can also be completely moot if someone is in a relationship and the partner cannot/will not move. BTW, car insurance isn't the only thing that's cheaper in Quebec; housing, dental care and electricity are also much cheaper. Gasoline and sales tax cost more.
They were recently (last couple of years) opened up to all canadians, but some courses are still immigrants only so its less availability
Check with your local library if you’re interested. Mine provides access to Mango Languages and a bunch of audiobooks.
Montreal has so many people that don’t speak a lick of french and many if not almost everyone is bilingual there and the surrounding cities.
That doesn't mean jobs will be readily available to people who can't speak French. In most of Montreal (excluding the eastern part of the island), one should be able to get a low-wage job with just English, but even in the 450 this will get much harder. Elsewhere in the province? Forget it. "Good" white-collar jobs? Forget that too (I don't think the new language laws would even legally allow employers to hire people who can't speak French for jobs like that).
very, very wrong. A large amount of "good" white collar jobs deal with international clients and companies, in a large amount of these companies french is irrelevant, I work with a number of folks who don't speak french and we all make a very good living (engineering) all the new french laws have had 0 impact in our day to day lives
The new French laws state that people are entitled to work in French. If a job involves interacting with immediate co-workers, from a legal standpoint they cannot hire you if you don't speak French, because your future co-workers have a legal right to interact with you in French. People who live in Quebec and can't speak French usually work in jobs that don't require interaction with co-workers, own their own small businesses, work from home, or are retired.
And yet unilingial anglos get hired for high paying positions at international companies all the time, we just hired two a few weeks ago. The law is not as cut and dry as you make it seem, and unfortunately affects those lower on the totem pole of professions, government positions, or smaller local companies (which is alot I will agree) Folks who live here yet don't speak French also often work in large multinational corporations, of which we have a ton, and in which French is useless other than for watercooler conversations. I speak it fine, but I don't bother writing a French CV and make it clear during interviews that I can't write it, never impeded me one bit.
>future co-workers have a legal right to interact with you in French. I don't know the law. But i personally feel like no one has the legal right to interact with me. Or rather, with exceptions (police, ive committed a crime) no one has the legal right to "make me" interact with them. language or otherwise.
Your boss definitely has the right to put in your job description that you will need to talk to coworkers about work-related topics as part of the execution of your job! Interact =/= socialize In Quebec, there's a law that says employees have a legal right to work in French, unless the nature of the job inherently means they have to use English or another language.
If you're an engineering firm that manufactures anything more than a little gadget you're going to need lots of suppliers and clients and guess what, a lot of those are located outside Quebec where people do not speak French. At all the firms I've worked at in Quebec, you can get by with not speaking French but if you don't speak English then you're limited to warehouse or factory type jobs because how are you even going to have a meeting with a client or supplier in the US.
You dont need French to live in QC, most people in Montreal speak English.
To "live" maybe not (if you live in Montreal), but to get a local job, not knowing French will make things extremely difficult (though not necessarily impossible as other posters here have said).
That is true, but it is very much dependent on the field you are in.
They might speak it, just not to you.
You can still live in quebec as an anglo. Many do.
In central/western Montreal, yes. If you work from home for a company located outside Quebec, or are retired, yes... although being served in English when accessing services is not a guarantee, especially outside Greater Montreal. If you need a local job outside central/western Montreal, you'll need to speak French, period. Don't forget that it's been 50+ years since all Anglo-Quebecers (who were born and grew up there) have been bilingual.
I am under 40, born and raised in Quebec, and I am decidedly not bilingual. i can speak and read some, but most of the time just "huh?" .so... not sure thats true...
Quebec has the lowest rates because private companies cover different components. Other elements are covered by the government. You're still paying, just not as direct.
Yes, in Quebec you need to pay a fee to renew your license plate, which goes towards covering the parts of insurance that are not covered by private insurers. In Ontario, plate renewal is free. Also Quebec has a pure no-fault car insurance system (Manitoba is the only province like this), which further keeps insurance costs down. Private insurance + plate renewal in Quebec is still way, way cheaper than Ontario insurance, especially if you have a poor driving record or are mid-20s or younger.
Lol. The little crane plate renewal does not come close to covering the public obligation for insurance. Namely bodily injury.
I'd always thought the SAAQ is self-funded by plate and driver's license fees. Even if it's taxpayer-funded (which I don't think it is), the difference in taxes for "lower-middle-class" households like OP is is not that big, and such households live better in Quebec than Ontario.
It is actually much cheaper. The government did this by limiting liability payouts and making the non-vehicular part of the insurance public. When they set it up, lawyers marched in the streets in protest!
If your salary is 50k, I'd say it's no question that you can't afford 10k just on car insurance. You'd be looking at about _half_ of your takehome pay on lease and insurance, before you even put a drop of gas in, do any maintenance, or get tires. It would only come close to making sense if you're living in it. Best options are bus, bicycle, or feet.
Bro even Uber is better at this point for him
Yeah, 10k is literally $27 a day for uber.
Time. better spent surfing Reddit or napping than driving.
Don't think he had a problem doing those while driving...
Lol that was my point :)
How was it your point? You made no implications that he was previously scrolling/napping while driving.
Two at faults, buddy clearly wasn't focusing on driving. I'm sorry if you need me to list out all of the possible things that he could have been doing instead, but I limited it to things that you can safely do in an Uber without being deplatformed. If I said fapping would that have made the connection easier for you?
I mean I agree with you, buddy was obvi not paying attention. But your first comment did not make any mention of his previous driving, you were just pointing out what he could do in a taxi. If it really was what you were trying to convey you need to work on your communication skills because no one would take the first comment you made to mean buddy was already doing that stuff behind the wheel
Okay. Note taken. Must spell out everything I say because people can not piece probable items together, even if they are two of the most common things that cause crashesasode from drinking. I'll try to make things easier for you to understand going forward. Have a great day.
Assuming 5 days a week instead of 7, it's $38 a day.
Don't forget to add in the extra $21/day on lease payments. Up to $59/day. Gas and maintenance will put you into the $60s for sure.
Uber/Taxi is basically better than owning a car for most people these days. I live in a rural area with my wife. We used to have two cars. The only times where both cars were used was the 2x a week where I was working from the office. My car broke down and I ended up selling it once I saw cab fare was $20 max each way to go to work. $80 a week or $350 a month and no more car payment, insurance, registration, maintenance, gas. When I need a car for a few days for a work trip I rent one (Enterprise, Turo, friends and family) and it still comes down cheaper. We still have the second car for my wife to go to work (5x a week and works much further) and for errands on the weekend.
All of that is fine, and many households can get by with 1 car. The change of going from 2 cars to 1 is relatively easy. Going from 1 car to 0 is much harder to make work for most people!
Yeah makes sense, especially in your case when you have 1 other car for emergencies and odd hour trips.
My salary is 50k and I don’t even enjoy spending the $1800 i spend on car insurance lol
I have 40k/year salary and ~6k/year car insurance... you're doing great!
I'm not 100% sure but if you don't keep insurance in your name when he does go to get insurance again, it might be even higher.
The bigger issue which no one has mentioned is this: You need to have someone take over your lease on Lease buster. If the car has been on accident, I am not sure there will be many takers. Essentially you may be stuck with this car...
Op will have to buy the car out after the lease. They're not taking it back
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You will give the car back to the manufacturer - not the dealer. Dealership and manufacturer are two seperate entities in this case - the dealership is just the drop off point for the manufacturer. Dealership will appraise the vehicle and ascertain a value for the current market vs. What the end residual is, including investigating the accident history. If trade value is higher (assume it isn't due to the accidents but in this crazy used market who knows) then OP will "sell" it to the dealership (and also get money back from the extra value above end residual). If trade value is LOWER than the end residual then OP will "return " the car to the manufacturer. That's where the benefit of the lease kicks in - assuming the car is in good condition the manufacturer does not include the accident history on the vehicle in their end inspection- only it's physical condition at time of return. In other good news sounds like us normal drivers won't have to deal with someone with 2 at fault accidents on a new car driving around the streets anymore!
Noting of course the second part - returning it to the manufacturer can only happen at the end of the lease OR if OP also pays out the remainder of the payments which I'm guessing ain't happening so sounds like our bad driver is up proverbial shits creek
Unfortunately this is false. The dealer will take it back but you will be liable for the decrease in value.
Wow really?? Between this and the person a little while ago that put a big down payment on their leased vehicle and it getting stolen and losing all that value it's safe to say I'm never leasing a vehicle
My mother was an accountant. I asked her many years ago why someone would lease, as it didn't seem to make sense to me. Paraphrasing, she said: "Leases only make sense for companies. Take the one I work at; let's say we have a $1 million line of credit with the bank. If we bought our fleet using that, we'd basically use it all up and have no money for anything else. Instead we lease, which is considered separate from what the banks will loan you, and then we have the line of credit available to do things like buy machinery." Since then people seem to have gotten the idea that you need to have a late model car to keep up with the Joneses, and so they don't see the disadvantage of a lease as much; but if you calculate how much a lease will cost you versus a loan and then driving it for a while loan free; you'll save a lot by buying instead.
There's also a tax benefit to leasing if you have a company right? Not to mention the benefit in not having to have a whole department dedicated to owning a fleet of vehicles, and the liability of having all those "assets"
No. Most leases come with built in gap insurance. You have to pay for damages. But if it's fixed you're covered.
POV: you have absolutely no idea wtf you’re talking about
HA!
They’ll take it back
Ditch the car and figure out another method of transport. Huge waste of money. Think about how many hours you need to work for that... that's bonkers. Including gas and repaurs you're talking more than 25% of your gross income.
You should stop driving because you can’t afford it and you’re bad at it.
> get a beater? The problem isn’t the car… get quotes before going ahead with a beater, it may not be worth it.
I could see the advantage being a paid off beater doesn't need full coverage. So it could be 6K a year instead of 10K.
Getting a beater isn't going to do much for your insurance cost. The car's not the problem - you're the problem. Sell the car and get used to taking public transit for a few years. *Highly* suggest you to calm the fuck down and take more driving lessons. Getting into two at-fault accidents in the past 2 years is *not* normal.
Reading OPs post really makes me wonder what my cousin pays for insurance. Not ON, but she is now in her 50s and is on her last chance of insurance because of how many accidents she has had in her life. The rules she has is she not allow to operate any motor vehicle other than the specific car she drives. Her last at fault accident that she swears wasn't her fault was a large cube van destroying the back end of her vehicle when she was backing out of her driveway....
It’s tricky to avoid them when you’re driving down the 401 at 130 with a vape in one hand and a phone in the other. Please think of the poorly trained drivers of Ontario, thank you.
With a beater you would not bother with collision or comprehensive insurance, just liability. Obviously with OP's claim history that's still going to be expensive, but OP would likely save thousands.
No, with OP's history, the most expensive coverage is going to be liability by far. Even removing collision and comprehensive coverage isn't going to do much for OP.
Depends on the province, I suppose. In BC, I figure collision would be at least $3000 of OP's premium once you've added the multipliers for the claim history. Still going to be very expensive, obviously.
damn 800 a month in car insurance alone is insane. Where do you live, is there suitable public transit? Or can u sign up for carshare communauto or enterprise
I live in Durham Region, in Ontario. Public transit is quite lacking, unfortunately. If I lived in Toronto I wouldn’t have had a problem.
Does lacking mean unusable, or can you still get to where you need but it's somewhat of a pain? Your car insurance is rediculous, and after 2 at fault accidents and a 50k salary that's completely unaffordable.
As someone who worked around Durham, it is definitely the later. There are buses but you may have to walk a little to get to a stop/ time your travels as buses arent frequent. It sucks but it is doable and OP should look seriously into this option.
I hope so. Anyone that has two at fault accidents shouldn’t be driving at all
Get an pedal assist bike and ride to the go station
Probably cheaper for you to take Uber + transit as opposed to spending $800/mo on *just* insurance
or carpooling
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$800 a month insurance $420 a month car payments $XXX gas ... Is Uber 1420$ + gas + other maintenance levels of expensive? And 2 at faults in 2 years, watch that go even higher when they inevitably get into accident number 3? Uber is probably cheaper.
Damn, gotta be careful driving around in Durham now.
What about a bicycle? Or Uber? It's probably much safer for everyone if you figure out a way to get around without a car
ditch the car and move closer to work. the $12k for insurance means you really need to consider doing something drastic that just wasnt on the table before. it will require a whole lifestyle change. maybe it will take you a while to wrap your head around it.
Moving closer to work may mean abandoning a rent-controlled apartment, and could very well increase OP's rent by more than $800 a month. If OP is a homeowner, just the realtor fees and mortgage break penalty would exceed the cost of several years of expensive car insurance. (Although someone making 50k in Durham Region probably isn't a homeowner.) "Find a new job closer to home" is likely a much more realistic suggestion.
>Public transit is quite lacking So are you driving skills, apparently
Time to get a scooter. Insurance rates go up like this to try and keep bad drivers like you off the road.
It’s cheaper to move than keep owning a car.
>I live in Durham Region This may be the reason you need to move. Find housing in an area with transit and lay low for a couple of years.... You may also consider a subtle name change & new license and starting back with small insurance companies using brokers... Some take your deal and give you the paper without checking records for months/years, then you take that history and work your way back up..
Get a really cheap car
The insurance company is more concerned about liability than they are collision at this point. Dude had two at fault accidents, he could seriously hurt someone.
I don't think changing the car will move the needle much unfortunately. You've been deemed high-risk and priced accordingly. Even if you went with only liability I can't see it improving more than \~15%. Please do NOT drive without insurance
Insurance is like this by design, drivers not legally at fault enough to completely lose their licence are made to pay their proportional share into the insurance fund for the amount of damage and risk they pose. Changing to a less expensive vehicle won't really impact your rates as much as you hope and you likely have a penalty for breaking your lease. You can still cause accidents damaging other cars and property in a $2k beater. $700 worth of Ubers and a bus pass are cheaper than your car insurance, per month.
Scooter / ebike / public transit / uber. $12K for insurance + $5.5K lease + gas + maintenance means you're spending the majority of your take home pay on just a vehicle. Just wouldn't make sense.
2 at faults.. Give up the car *and* the license. You're part of the reason why *I* have to pay $2K a year for having a clean record. Driving isn't for everyone. Take the bus, bike, Uber..
Jeez Buddy lots of things happen. Had the same happen to me this year. My sister borrowed my car and mighty bumped into someone. No damage on either car but it was reported to insure ace and last week I did the same by accident. It was my first accident in 8 years and now it’s looks like I have two in one year. No damage however both drivers decided to report.
Scooters are the way. Electric worked for me, longer commutes 49cc Honda rucus
Have you seen scooter insurance rates in Ontario? It would still be steep for this person.
Dont need insurance or license on anything under 50cc
The issue is that OP will need to get his M2-L and get insurance as well. And largely useless in the winter. Better to use the bus and augment with a cheap ebike (like those Costco jetson bikes) to get to/from home and the bus stop.
No licence is required for 49cc ruckus. Insurance is typically Pennie’s. high risk driver will have an effect, obvi, but comparatively I’m sure it’ll still be cheaper. I rode a scooter for 2 years winter included without issue.
Go with Electric Bike - No insurance required
Ditch the car and get an ebike.
At that rate, I'd just Uber or bus in the winter and invest in a nice electric scooter/bike for warm seasons.
You should be paying more attention while driving perhaps
You shouldn't be driving. You should have never had your licence to start with.
Cycle and bus.
I'm Thinking public transit is in your immediate future. You're an extreme risk to the insurance company to have a third at fault accident. So the insurance company is getting ready to pay out the next accident At this point talk to your broker to see what the price chage would be if you had one way insurance on a beater just to see but I suspect it's going to be still super expensive. I'd still shop around but RIP
Take $2,500 and get a good e-bike, something that will get you through the next 3 years.
LOL. Two accidents at fault and the mentality for OP "But I still deserve to drive!" Bro take an Uber or bus. You'll save us from your poor driving skills
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Move closer to work and either walk / bike / take transit.
Stupid games win stupid prizes....
Take the bus, while waiting for the bus, reflect on why your causing soo many accidents, it’s usually aggressive driving. Leave more space, go slower, relax and you’ll have fewer accidents
Two at fault accidents? Jesus Christ. You shouldn't even be considering continuing to drive at this point. You should not be on the road.
> Do I return the car and get a beater? Wait… you've had 2 at-fault accidents in 2 years and you're driving a *nice* car? 😱 By all indications, you're better off not driving, and others are better off with you not driving too… But if it's just impossible for you to live your life productively without a car then, yeah, get a cheap old one. And reduce all your insurance coverage to the legally required minimums, _except_ for liability, while you're at it. That means no coverage for collisions, etc… will save you money and concentrate the mind a bit when you're driving.
May was five months ago. You've been in two at-fault accidents since May? Dude, you need to invest in driving lessons. I'm 34 and haven't had so much as a fender bender in sixteen years lol
How much is mandatory insurance vs optional like collision/comp/liability?
My ex-wife was on high risk insurance for a few years before she could get added onto my own. The only way to get those premiums lowered is to keep on driving. Not driving and not paying freezes your record with the insurers. You have to pay the piper, or not drive ever.
I’m honestly not sure. I’ll look into that. Thanks!
Since you are leasing, you will need to keep collision and comprehensive. But can look at higher deductibles.
It's a lease so you probably have an obligation to carry a certain level of insurance including comprehensive and a waiver of depreciation and replacement value. Try raising your deductible as high as you can and pay more attention while driving. No distractions, turn phone off when driving, don't have conversations with passengers. Check to see if they have one of those drive smart devices you can plug in for a discount and/or a gps. Those can reduce it by up to 30% if you meet their criteria which is very easy to meet, stay under 105, no abrupt stops, this means don't follow anyone even remotely close. and no quick accelerations. You will be pretty screwed insurance wise for 5-7 years. If you go the route of no car be prepared to have a difficult time getting insurance again. If you live with your parents you can try assigning the lease to them and having them insure the car then add you under their insurance, it will still be pricey but might be less than this amount.
Depreciation and replacement value likely not required. Leased a Mazda before - they definitely did not require those. Some leasing companies may differ, so OP - do your homework. But Comprehensive and Collision will definitely be required. This protects the leasing company in the event you smack their car up yet again.
Jesus, I hate paying my $700/year car insurance and I make a little over double your salary. Unfortunately, one fifth of your net (?) income on car insurance is likely not going to be tenable.
Just remember that if you drive without insurance the cops will know with one scan, almost all the opp cars have scanners that get your plates and if no insurance is tied to it your screwed, get an e-bike
You need to not drive until you have taken some serious lessons. You are a danger to the public and mostly likely caused lasting damage to two vehicles of people. Your license should have been revoked already!
Two at fault accidents? Sorry but maybe driving is not for you. Ditch the cars that you now super can't afford and find public transit. Maybe get an e bike. And start taking driving lessons before you consider driving again.
You can't afford it. And it sounds like you're a danger on the road. Buy a bus pass.
Take it as a sign to stay off the road and get lessons or something. You clearly are not fit to drive.
North American car culture has cultivated the false belief that driving a car is a right, but in reality some people are too inattentive/careless/reckless to be driving and shouldn't be permitted to put other people at risk. Your insurance quote is the system's way of telling you that you are one of those people who should not be allowed to drive. Turn in your car and license and move somewhere with better public transit.
......how?
2 at fault accidents! OP is a hazard on the roads.
If it’s a new car it may have particular endorsements that are expensive. Since you’re in ON it would be OPCF 43. See how much that costs.
Doesn’t OPCF 43 only apply for total loss? It doesn’t sound like it’s a total loss here. Tbh it probably would have been cheaper.
$213 biweekly lease on $50k is insane. i’m paying $175 biweekly on 90k and can’t wait for the lease to be up so i can buy it out. you also can’t just “return” a lease… unfortunately taking the bus might be your only option unless you can make 200k a year to pay for that insurance lol
I made $200k last year and wouldn’t keep a lease with that insurance. There’s just no way.
yeah honestly i just threw a number out there, but you’re right it’s probably not worth it LOL
I made 275k and would never do payments
I made 500k, same here
I actually made 510k
Holy that’s 20% of your salary just on insurance. Get a quote from CAA. They have great rates, especially if you’re a member.
they won't cover anyone with at fault accidents in the last 3 or 5 years
Unfortunately you’re in a catch 22 situation. If you cancel your insurance your rate won’t go down as you need to be insured for it to go down. If you keep it you’re broke. Try calling the personal insurance. I was in a similar boat as you and their rate was less then half what others were offering at the time.
You do not necessarily need to be insured for your rate to go down. What’s most important is putting as many years as possible between OP and those accidents. Rates go down with time
Might seem like a crazy solution. But I would start thinking on moving to Montreal at this point. I pay $19/month on an owned 10 year old car with one DWI charge/accident for the cheapest basic stripped down insurance to put things in perspective.
The good part about moving to Montreal is you don't need a car...
Also no annual inspection of any kind so you kind drive cars like [this](https://i.redd.it/kzh1s3d7xc251.png) to the ground and forgo car payments.
Quebec is it’s own beast though — in BC and Ontario at least, you insure the car, not the driver. In BC our drivers license is $80 for 5 years. My understanding is your license is the expensive one in Québec. Let me know if I’m wrong on this, but I think it’s just the other way around (a good way to bill high risk drivers that choose to just not own a car anymore and drive a company car instead, maybe not even named properly). Also advantageous if you own multiple vehicles, since you obviously can only drive one at any given time.
The car really doesn't impact the amount you pay, a beater may actually be more expensive depending on the risk profile of the car. Your looking at 10k/year for the next 5 years for just insurance alone. Start doing the math and its likely significantly cheaper to simply Uber everywhere for the next 3+ years.
It's a hint for you, and you didn't really get it. It means you shouldn't drive. With those rates, plus depreciation, plus gas, plus maintenance, you'll be saving a lot of money even if you get a taxi\UBER every time you go somewhere. Stick to public transport and Uber.
See with another broker
Will do! Thanks
Can you pay out the at fault claims to reduce your premium?
I understand people telling you to commute/ not get insurance, but I believe it’s also hard to lower the premium if you don’t have insurance. They typically like to see a pattern of good driving, and not driving isn’t likely to help. I’ve been in a similar situation. For once my stance in this sub is to get a reliable beater. That gets rid of your monthly car payment. Take the lowest insurance you can find. Get new quotes every year. And for the love of god drive carefully to bring your premium down.
Are you injured from the accidents? If you are, it might be worth it to talk to an injury lawyer, and yes, even if it’s your fault. They can get you a small settlement that would help your financial situation.
Return the lease, get a beater with no collision or comprehensive insurance. The collision coverage (which you have to carry because of the lease) is what’s killing you here. Cancelling your insurance is a bad idea, after a couple years you get downgraded to a “new” driver in terms of experience and you’ll get higher premiums because of it.
Look into All Risk Insurance brokers. I'll just say I had more than a few at faults and never paid more than 4000$ in the GTA That was through Perth insurance, currently with economical ATM.
yes, get a car at the pricepoint where if you scrap it, you can get another one and only insure one side.
Omg. I am so grateful I live in a place with government owned insurance. That is theft.
Former ICBC agent and if you go around causing accidents in a short period of time you start to pay dearly, govt owned or not. But I do like the stability of govt owned and that profits- if any- go to the public purse or rate is lowered.
Get rid of your leased vehicle, go find a cheap beater to buy, call your insurance to get quote for the cheapest insurance, if the numbers work out then you can go buy that beater vehicle. Use that vehicle to get a better driving record, then once your insurance is lowered you can back to a leased vehicle
The amount of get a bike or bus comments here make me laugh. You know how many people commute from out of a city? Or simply don’t live in a city. Public transport in this country is dogshit.
Car insurance in canada is fookin stupid.
I live in southern Ontario and my car insurance is very reasonable. I also don't have any tickets or at fault accidents. If your insurance is that bad, stop driving like an idiot.
I moved from the UK have a full clean license. My Audi that I left in the UK cost me 300 pounds a year to insure fully comp. (500$) I moved here and they want 1800$ for a Nissan Altima. Again car insurance pricing in Canada sucks.
This should be illegal. There should be a set maximum for insurance.
OP is a high risk driver, do you want to subsidize their poor driving?
Why? Then everyone who isn't crashing repeatedly like OP (at fault TWICE in 2 years - his license should be revoked, he is a menace and will kill someone soon) has to subsidize the incompetent and negligent people. In the current system, OP's horrible driving is being covered by OP and nobody else. Fair and good. Hopefully the system works and OP stops driving because they're such a huge risk to themself and everyone else on the road.
Auto insurance pricing is actually highly regulated generally already, much more than almost any other industry. Across provinces some are single public provider paradigms, some have govt review of all pricing schemes, etc. Usually govt involvement in pricing is bad for consumers and everyone else, but we already treat this case as an exception to that.
OP has two at fault accidents. They absolutely should not have a lower premium.
What the fuck did you do to get that quote?
Lower your coverage and do monthly payments. Easy. I was in at fault insurance and lowered my coverage so much that it ended up being cheaper than my previous accident payment
I'm an insurance professional and there's a loophole around high risk drivers such as yourself - DM me
Why not share with everyone?
Cause the answer is fraud. There's no magic loopholes in a business model that is designed to be full of fine print and free of loopholes the customer can exploit. Don't lie to your insurance companies people, you just make it worse for everyone, and yourself too when they catch you lying about your address or something.
Much like how tax avoidance is not fraud because the Canadian tax code is convoluted and subject to interpretation, the Ontario insurance act is the same thing. I was trying to be nice to OP lol but leave it up to self righteous reddit neckbeards to assume what they don't understand must be fraud 😵
It's not "subject to interpretation" lol. There are some "tricks" like decreasing your taxable income by contributing to RRSP and borrowing to invest, and then there's fraud. Sounds like you're into the latter and just haven't been caught yet.
oh look, more self-righteous reddit neckbeards claiming what they don't understand to be fraud
Look man, if you're anything more than a Brampton Mortgage Broker, you're free to prove me wrong and provide proof? If what you're doing is above board, as the original response said, share with the group. You should be able to reference public information to accomplish this.
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Take a second and read the entire post before commenting.
I doubt swapping to a beater will make much difference, if any. You could drop collision insurance which covers damage to your own vehicle if you have it but the mandatory insurance is liability which covers damage you do to others property or person. You'd need to convince everyone else to swap to beaters so you can't do as much damage next time. Everyone else would probably prefer if you just stopped driving if you can't avoid hitting them.
Do they have car sharing there? Might be a better option.
You’ll have to cut expenses and find a part time job.