{"id":1202980,"date":"2021-05-18T14:03:19","date_gmt":"2021-05-18T18:03:19","guid":{"rendered":"https:\/\/stepstojustice.ca\/?post_type=steps&#038;p=1202980"},"modified":"2021-05-18T14:03:19","modified_gmt":"2021-05-18T18:03:19","slug":"3-determinez-les-consequences-pour-vos-assurances","status":"publish","type":"steps","link":"https:\/\/stepstojustice.ca\/fr\/steps\/provincial-offences\/3-determinez-les-consequences-pour-vos-assurances\/","title":{"rendered":"3. D\u00e9terminez les cons\u00e9quences pour vos assurances"},"content":{"rendered":"<p>Une contravention pour exc\u00e8s de vitesse peut avoir des effets sur votre prime d&#8217;assurance automobile et votre type de couverture.<\/p>\n<p>Les compagnies d&#8217;assurances sont inform\u00e9es d&#8217;une contravention pour exc\u00e8s de vitesse seulement si le conducteur est d\u00e9clar\u00e9 coupable. Ce sera le cas si vous :<\/p>\n<ul>\n<li>d\u00e9cidez de payer la contravention sans la contester;<\/li>\n<li>n\u00e9gociez un plaidoyer;<\/li>\n<li>\u00eates reconnu coupable par un tribunal.<\/li>\n<\/ul>\n<p>La seule fa\u00e7on d&#8217;\u00e9viter une d\u00e9claration de culpabilit\u00e9 est d&#8217;\u00eatre reconnu non coupable au proc\u00e8s.<\/p>\n<p>La compagnie d&#8217;assurances fera une recherche dans votre dossier de conducteur avec l&#8217;aide du minist\u00e8re des Transports.<\/p>\n<p>Elle le fait souvent au moment du renouvellement de votre police, mais rien ne l&#8217;emp\u00eache de v\u00e9rifier votre dossier \u00e0 un autre moment.<\/p>\n<h3>Prime d&#8217;assurance<\/h3>\n<p>Pour fixer votre prime, la compagnie d&#8217;assurances v\u00e9rifie normalement le nombre de d\u00e9clarations de culpabilit\u00e9 prononc\u00e9es contre vous pour des infractions au Code de la route dans les trois derni\u00e8res ann\u00e9es, parfois plus.<\/p>\n<p>Pour les exc\u00e8s de vitesse mineurs, votre prime d&#8217;assurance pourrait rester la m\u00eame ou augmenter l\u00e9g\u00e8rement. Mais plus l&#8217;infraction est grave, plus votre assurance vous co\u00fbtera cher, surtout si vous \u00eates un nouveau conducteur.<\/p>\n<h3>Couverture d&#8217;assurance<\/h3>\n<p>Les contraventions pour exc\u00e8s de vitesse peuvent aussi changer le type de couverture dont vous aurez besoin. Par exemple, beaucoup d&#8217;assureurs vous consid\u00e9reront comme un \u00ab conducteur \u00e0 risque \u00bb si vous avez trop de contraventions pour exc\u00e8s de vitesse. Vous devrez alors payer plus cher pour vos assurances. Dans certains cas, votre police peut m\u00eame \u00eatre annul\u00e9e.<\/p>\n<p>Comme chaque compagnie est diff\u00e9rente, il est important de communiquer avec votre agent pour savoir comment la contravention affectera vos assurances.<\/p>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content -->","protected":false},"author":6,"featured_media":0,"template":"","class_list":["post-1202980","steps","type-steps","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.9 (Yoast SEO v23.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>3. D\u00e9terminez les cons\u00e9quences pour vos assurances - Justice pas-\u00e0-pas<\/title>\n<meta name=\"description\" content=\"Une contravention pour exc\u00e8s de vitesse peut avoir des effets sur votre prime d&#039;assurance automobile et votre type de couverture. Les compagnies\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/stepstojustice.ca\/fr\/steps\/provincial-offences\/3-determinez-les-consequences-pour-vos-assurances\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"3. D\u00e9terminez les cons\u00e9quences pour vos assurances - Justice pas-\u00e0-pas\" \/>\n<meta property=\"og:description\" content=\"Une contravention pour exc\u00e8s de vitesse peut avoir des effets sur votre prime d&#039;assurance automobile et votre type de couverture. Les compagnies\" \/>\n<meta property=\"og:url\" content=\"https:\/\/stepstojustice.ca\/fr\/steps\/provincial-offences\/3-determinez-les-consequences-pour-vos-assurances\/\" \/>\n<meta property=\"og:site_name\" content=\"Justice pas-\u00e0-pas\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/CLEOLegalRights\/\" \/>\n<meta property=\"og:image\" content=\"https:\/\/stepstojustice.ca\/wp-content\/uploads\/Steps-to-Justice-logo.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"650\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@CLEOLegalRights\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/stepstojustice.ca\/fr\/steps\/provincial-offences\/3-determinez-les-consequences-pour-vos-assurances\/\",\"url\":\"https:\/\/stepstojustice.ca\/fr\/steps\/provincial-offences\/3-determinez-les-consequences-pour-vos-assurances\/\",\"name\":\"3. D\u00e9terminez les cons\u00e9quences pour vos assurances - Justice pas-\u00e0-pas\",\"isPartOf\":{\"@id\":\"https:\/\/stepstojustice.ca\/fr\/#website\"},\"datePublished\":\"2021-05-18T18:03:19+00:00\",\"dateModified\":\"2021-05-18T18:03:19+00:00\",\"description\":\"Une contravention pour exc\u00e8s de vitesse peut avoir des effets sur votre prime d'assurance automobile et votre type de couverture. Les compagnies\",\"breadcrumb\":{\"@id\":\"https:\/\/stepstojustice.ca\/fr\/steps\/provincial-offences\/3-determinez-les-consequences-pour-vos-assurances\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/stepstojustice.ca\/fr\/steps\/provincial-offences\/3-determinez-les-consequences-pour-vos-assurances\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/stepstojustice.ca\/fr\/steps\/provincial-offences\/3-determinez-les-consequences-pour-vos-assurances\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/stepstojustice.ca\/fr\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Next steps\",\"item\":\"https:\/\/stepstojustice.ca\/fr\/steps\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"3. D\u00e9terminez les cons\u00e9quences pour vos assurances\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/stepstojustice.ca\/fr\/#website\",\"url\":\"https:\/\/stepstojustice.ca\/fr\/\",\"name\":\"Justice pas-\u00e0-pas\",\"description\":\"Step-by-step information about legal problems\",\"publisher\":{\"@id\":\"https:\/\/stepstojustice.ca\/fr\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/stepstojustice.ca\/fr\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/stepstojustice.ca\/fr\/#organization\",\"name\":\"Justice pas-\u00e0-pas\",\"url\":\"https:\/\/stepstojustice.ca\/fr\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/stepstojustice.ca\/fr\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/stepstojustice.ca\/wp-content\/uploads\/2020\/10\/logo-s2j.png\",\"contentUrl\":\"https:\/\/stepstojustice.ca\/wp-content\/uploads\/2020\/10\/logo-s2j.png\",\"width\":1000,\"height\":146,\"caption\":\"Justice pas-\u00e0-pas\"},\"image\":{\"@id\":\"https:\/\/stepstojustice.ca\/fr\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/CLEOLegalRights\/\",\"https:\/\/x.com\/CLEOLegalRights\",\"https:\/\/www.instagram.com\/communitylegaleducationon\/\"]}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"3. D\u00e9terminez les cons\u00e9quences pour vos assurances - Justice pas-\u00e0-pas","description":"Une contravention pour exc\u00e8s de vitesse peut avoir des effets sur votre prime d'assurance automobile et votre type de couverture. Les compagnies","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/stepstojustice.ca\/fr\/steps\/provincial-offences\/3-determinez-les-consequences-pour-vos-assurances\/","og_locale":"fr_FR","og_type":"article","og_title":"3. D\u00e9terminez les cons\u00e9quences pour vos assurances - Justice pas-\u00e0-pas","og_description":"Une contravention pour exc\u00e8s de vitesse peut avoir des effets sur votre prime d'assurance automobile et votre type de couverture. Les compagnies","og_url":"https:\/\/stepstojustice.ca\/fr\/steps\/provincial-offences\/3-determinez-les-consequences-pour-vos-assurances\/","og_site_name":"Justice pas-\u00e0-pas","article_publisher":"https:\/\/www.facebook.com\/CLEOLegalRights\/","og_image":[{"width":1200,"height":650,"url":"https:\/\/stepstojustice.ca\/wp-content\/uploads\/Steps-to-Justice-logo.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@CLEOLegalRights","twitter_misc":{"Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/stepstojustice.ca\/fr\/steps\/provincial-offences\/3-determinez-les-consequences-pour-vos-assurances\/","url":"https:\/\/stepstojustice.ca\/fr\/steps\/provincial-offences\/3-determinez-les-consequences-pour-vos-assurances\/","name":"3. D\u00e9terminez les cons\u00e9quences pour vos assurances - Justice pas-\u00e0-pas","isPartOf":{"@id":"https:\/\/stepstojustice.ca\/fr\/#website"},"datePublished":"2021-05-18T18:03:19+00:00","dateModified":"2021-05-18T18:03:19+00:00","description":"Une contravention pour exc\u00e8s de vitesse peut avoir des effets sur votre prime d'assurance automobile et votre type de couverture. Les compagnies","breadcrumb":{"@id":"https:\/\/stepstojustice.ca\/fr\/steps\/provincial-offences\/3-determinez-les-consequences-pour-vos-assurances\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/stepstojustice.ca\/fr\/steps\/provincial-offences\/3-determinez-les-consequences-pour-vos-assurances\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/stepstojustice.ca\/fr\/steps\/provincial-offences\/3-determinez-les-consequences-pour-vos-assurances\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/stepstojustice.ca\/fr\/"},{"@type":"ListItem","position":2,"name":"Next steps","item":"https:\/\/stepstojustice.ca\/fr\/steps\/"},{"@type":"ListItem","position":3,"name":"3. D\u00e9terminez les cons\u00e9quences pour vos assurances"}]},{"@type":"WebSite","@id":"https:\/\/stepstojustice.ca\/fr\/#website","url":"https:\/\/stepstojustice.ca\/fr\/","name":"Justice pas-\u00e0-pas","description":"Step-by-step information about legal problems","publisher":{"@id":"https:\/\/stepstojustice.ca\/fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/stepstojustice.ca\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/stepstojustice.ca\/fr\/#organization","name":"Justice pas-\u00e0-pas","url":"https:\/\/stepstojustice.ca\/fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/stepstojustice.ca\/fr\/#\/schema\/logo\/image\/","url":"https:\/\/stepstojustice.ca\/wp-content\/uploads\/2020\/10\/logo-s2j.png","contentUrl":"https:\/\/stepstojustice.ca\/wp-content\/uploads\/2020\/10\/logo-s2j.png","width":1000,"height":146,"caption":"Justice pas-\u00e0-pas"},"image":{"@id":"https:\/\/stepstojustice.ca\/fr\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/CLEOLegalRights\/","https:\/\/x.com\/CLEOLegalRights","https:\/\/www.instagram.com\/communitylegaleducationon\/"]}]}},"meta_box":{"questions_to_steps_from":["1202829"]},"_links":{"self":[{"href":"https:\/\/stepstojustice.ca\/fr\/wp-json\/wp\/v2\/steps\/1202980","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/stepstojustice.ca\/fr\/wp-json\/wp\/v2\/steps"}],"about":[{"href":"https:\/\/stepstojustice.ca\/fr\/wp-json\/wp\/v2\/types\/steps"}],"author":[{"embeddable":true,"href":"https:\/\/stepstojustice.ca\/fr\/wp-json\/wp\/v2\/users\/6"}],"version-history":[{"count":1,"href":"https:\/\/stepstojustice.ca\/fr\/wp-json\/wp\/v2\/steps\/1202980\/revisions"}],"predecessor-version":[{"id":1202981,"href":"https:\/\/stepstojustice.ca\/fr\/wp-json\/wp\/v2\/steps\/1202980\/revisions\/1202981"}],"wp:attachment":[{"href":"https:\/\/stepstojustice.ca\/fr\/wp-json\/wp\/v2\/media?parent=1202980"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}