Understanding Distracted Driving in Ontario

Understanding Distracted Driving in Ontario

Distracted driving is one of the leading causes of collisions on Ontario roads. While most people associate it with texting, the truth is — distracted driving includes anything that takes your attention off the road, even for a second.

As an insurance broker, I’ve seen firsthand how one distracted moment can change everything. From accidents to skyrocketing premiums, the impact is real.

Let’s break down what counts as distracted driving in Ontario, what the consequences are, and how to stay focused behind the wheel.

What Is Distracted Driving?

In Ontario, the distracted driving laws specifically target handheld electronic devices. That means it’s illegal to do any of the following while driving:

• Text or email
• Dial a phone number
• Scroll through social media
• Enter GPS info
• Watch videos

Even just holding your phone — yes, even at a red light — is considered distracted driving.

Other distractions like eating, personal grooming, or reaching for items aren’t illegal on their own but can still result in careless or dangerous driving charges if they affect your control of the vehicle.

Penalties for Distracted Driving in Ontario

Ontario has zero tolerance for distracted driving, and the penalties are steep:

• First offence:
  • $615 fine (up to $1,000 in court)
  • 3 demerit points
  • 3-day license suspension
• Second offence:
  • $615 fine (up to $2,000 in court)
  • 6 demerit points
  • 7-day suspension
• Third or more:
  • $615 fine (up to $3,000 in court)
  • 6 demerit points
  • 30-day suspension

These charges stay on your driving record and can haunt you for years — especially with your insurance company.

How Distracted Driving Affects Your Insurance

Insurance providers treat distracted driving as a major conviction. One ticket could:

• Increase your premiums dramatically
• Get you labeled as a high-risk driver
• Limit your coverage options to expensive, high-risk insurers

In extreme cases, multiple convictions can even make it difficult to get coverage at all.

Tips to Avoid Distracted Driving

Staying safe doesn’t take much — just a little preparation and self-control. Here are some tips to help:

• Put your phone away – Use "Do Not Disturb" mode and keep it out of reach
• Set up before you drive – GPS, mirrors, music — get it all ready before moving
• Don’t eat or groom while driving — save it for when you’re parked
• Pull over safely if you need to make a call or send a message
• Use hands-free tech – Bluetooth is allowed, but keep conversations short

Final Thoughts

Distracted driving isn’t just about fines and points — it’s about your life, your finances, and everyone else on the road. As your insurance broker, I’m here to help you stay informed and protected.

If you’ve been charged with distracted driving and are concerned about your insurance, let’s talk. I’ll help you find affordable coverage options, even if you’re considered high-risk.

📞 Contact us today to discuss your insurance and make sure you’re fully protected.

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