Cannabis Legalization in Ontario
auto-insurance tips-and-advice

Cannabis Legalization in Ontario

Cannabis legalization in Ontario is no longer a new concept, but there are several rules and regulations concerning the use of cannabis that some Ontario drivers may not be aware of. Back in October 2018 the federal government of Canada completely changed the rules surrounding the legal use of cannabis.

Cannabis Legalization in Ontario – Cannabis and Driving

Cannabis slows down your reaction time. Using cannabis and driving will be illegal and if you are under the influence of the drug and caught by a police officer you could be charged with Impaired Driving or other serious convictions. Failure to comply with the required testing could also result in criminal charges which carry the same penalty as driving while impaired.

Other consequences may be:

  • Immediate license suspension
  • Vehicle impoundment
  • Financial penalty or fine
  • Possible jail time

The ‘Zero Tolerance’ Rule which is applied for alcohol also applies to cannabis. You will not be allowed any cannabis in your system if:

  • You are under the age of 21
  • You have a G1, G2, M1, M2 license
  • The vehicle you drive is a commercially rated vehicle or a road building machine

Cannabis Legalization in Ontario – Cannabis vs. Auto Insurance

Under FSCO guidelines an auto insurance provider can void an insurance policy as well as deny coverage if you are involved in an accident while under the influence of cannabis. Although cannabis itself will no longer be deemed illegal, the consumption of it while operating a motor vehicle will be.

An insurer can decline to pay for loss or damage as well as limit Accident Benefit coverages caused in an accident due to being impaired. The insurance company would likely view this as illegal use of the vehicle with you being unable to maintain proper control of an automobile while under the influence of intoxicating substances.   You can visit the FSCO website for more information regarding auto insurance in Ontario.

With regards to cannabis legalization in Ontario, if you are a recreational or medicinal user of cannabis it’s up to you to make sure you are not breaking any current laws. If you have auto insurance related questions you can speak directly with your insurance broker, or simply reach out to us through the Contact page on the My Hunter website.