What medical conditions disqualify you from driving in Ontario?

Driving in Ontario is a privilege that requires motorists to meet certain medical standards in order to operate a motor vehicle on public roads. Because of this, having certain medical conditions and failing to meet the medical standards stated by the Ministry of Transportation could disqualify you from getting a driver's licence or lead to a licence suspension.

To learn more about what high-risk medical conditions would prohibit you from obtaining or maintaining a valid Ontario driver's licence.

What are Ontario medical standards?

To ensure Ontario roads are safe for all motorists, the Ontario Ministry of Transportation has established rigorous medical requirements to ensure Ontario drivers are fit to drive. These basic medical standards require drivers to not have any physical disability, cognitive impairment, vision impairment, emotional disability, or other medical condition that could significantly interfere with their ability to drive safely. Continue reading to learn more about the medical standards in Ontario.

G class & M driver's licence standards

If you are a G class or M driver, your driving ability can not be impacted by the following:

1. Medical or emotional disability
2. Physical disability
3. Usage of drugs and alcohol

Vision standards for G class & M drivers

To get your driver's licence, you need to pass a vision test at the time you apply. Your vision will be tested with and without contact lenses and glasses. The mandatory vision standards should be a minimum of 20/50 visual acuity.

If you apply for a vision waiver, your peripheral vision has to meet certain visual standards. You cannot have more than six demerit points on your licence or be convicted of previous driving offences. You will also need a medical report from an optometrist confirming your horizontal visual field.

Hearing standards for Ontario motorists

If you have hearing impairments, you are still physically qualified to operate a motor vehicle on Ontario roads. During your licensing test, you are able to use a hearing aid and have a hearing coach present. However, you will need to file a full medical assessment before your driving test.

National medical standards for commercial drivers

If you operate a commercial vehicle, you will also need to pass certain medical standards to work as a commercial driver in Ontario or the rest of Canada. These medical standards are set by National Medical Standards.

What is a medical suspension on my licence?

If you develop a medical condition after you've gotten your driver's licence, you may have your licence suspended due to your medical condition if it significantly interferes with your safe driving. Essentially, your medical reports will be sent to your family doctor or treating physician, who will then review your report.

By law, all doctors, nurse practitioners, and others who practice medicine must report Ontario drivers for certain medical reasons that could prevent them from driving safely, which leads to licence suspensions.

On the other hand, certain medical cases that are reviewed by a doctor, nurse practitioner, or occupational therapist may lead to a licence suspension. In other words, some medical conditions offer practitioners discretionary authority where they can decide whether a patient's medical information needs to be sent to the ministry.

Can I get my driver's licence back after a medical suspension?

The good thing is if you get a medical suspension for certain medical conditions, you can have your licence reinstated. Here is what you need to do:

Read your letter from the Ministry of Transportation

When you have your licence suspended, you'll receive a letter from the MOT that outlines the reason for the suspension and the requested medical information needed for them to review your file.

Get a medical report form

You'll then need to visit a practitioner who offers driver medical review services. At this appointment, you may need to undergo a functional assessment and other medical tests. Remember to get a copy of your completed medical report form, as you will need to send your satisfactory medical report to the MTO.

Send your case to a licence appeal tribunal

Once reviewed, the MTO may ask for additional information, such as an on-road evaluation. They may also deny your request entirely, depending on your records, which means your licence will remain suspended. Should this occur, you can send an appeal to the licence appeal tribunal, who will review your case further. Note that the appeal process can take a long time to come to licensing decisions. You will also need to pay an appeal fee of approximately $110.

Will a medical suspension affect my car insurance rates?

No, your medical reports will not determine how much your insurance rates cost unless you have a collision or other infractions on your driving record that stem from your medical condition. While insurance companies use a variety of factors to calculate costs, they are not legally allowed to access your medical information. Keep in mind, however, that you must confirm with your provider that you have a valid driver's licence, which technically confirms your overall mental and physical fitness.

Do I need to contact my insurance company after a minor car accident?

Calling your insurance company after a minor accident is highly recommended for all Canadians. The extent of the damage and injuries from a vehicle crash, whether minor or major, is not usually apparent right afterward. As a result, if you delay calling your insurance company, you could miss the reporting deadline. If this occurs, you may be responsible for any medical fees or repairs that are required. Ultimately, calling your insurance company and reporting the collision is the best way to ensure you are protected and fairly compensated for your losses.

How do I report a car accident?

Never been in a car accident? You may be wondering, "How do I report a car accident?". Many drivers are unaware that reporting a vehicle crash is legally required in every province and territory if the circumstances surrounding it meet a particular criterion. For instance, if damage sustained between cars exceeds a specific dollar amount, pedestrians are involved, or injuries take place, among other factors, you'll need to report it. Failure to report a collision to the police might have serious implications. Make sure you know all the traffic laws in your province or territory, as well as the one you're visiting in case you get in a collision.

What are the most common causes of highway accidents?

Ever wondered, "What is a major cause of highway accidents?" Distracted driving is one of the leading causes of highway collisions. Messaging while driving, snacking, checking your GPS, or engaging in other actions that divert your attention away from the road could put you in danger of getting into an accident. Another major root cause of traffic accidents is speeding. Travelling at high speeds might reduce your control over your vehicle and increase your chances of accidents. Additionally, impaired driving, driving while tired, and bad weather conditions are also contributing factors that can contribute to accidents on the highway.

How can I check my driver's licence status in Ontario?

There are several reasons why you may need to check your driver's licence status. If you've never done so before, you may be thinking, "How can I check my driver's licence status in Ontario?" Lucky for you, checking your status is free and straightforward to do. The best way to check your licence is through the Ministry of Transportation online portal. Alternatively, you can go to any Ontario service centre and ask for assistance from one of the clerks.

What restrictions are there for G1 drivers?

A G1 licence is the beginning phase of the Ontario driving program, which is comparable to a learner's permit in other provinces and territories. If you are a new driver, you must have this licence for at least 12 months before taking your driving test. So what G1 licence restrictions do these drivers need to follow? G1 motorists must maintain a blood alcohol level of 0 at all times. Additionally, they are unable to operate the car without a fully licensed driver in the passenger seat and must avoid driving on the highway or between the hours of 12 a.m. and 5 a.m. Further, all passengers in the vehicle must be wearing a seatbelt. Failure to adhere to these restrictions may result in penalty points or revocation on your licence.

How can I keep my pet safe in the car?

When travelling with your pet, you need to make sure that they are safe and comfortable in your car. To keep your pet safe while driving, store them in a carrier or enclosed crate with their favourite toys and snacks or use a seatbelt or leash to buckle them in. You should also keep food, water, and any prescriptions they need ready in case you have to stop along the way. And don't forget to carry a pet leash, harness, and waste bags!

Protect yourself behind the wheel with customized insurance coverage

To ensure you're protected while on the road, having an insurance plan tailored to your unique needs and driving habits is essential. While some policies are mandatory, others are optional and intended to provide drivers with additional peace of mind and protection. Here's a closer look at the different types of auto insurance policies available:

• Third-party liability car insurance (mandatory)
• Uninsured automobile insurance (mandatory)
• Accident benefits coverage (mandatory)
• Collision car coverage (optional)
• Comprehensive car coverage (optional)
• Accident forgiveness (optional)

Contact BrokerLink for affordable insurance coverage

Whether you're looking for car insurance, have questions about your current policies, or need help navigating your insurance claim, the experienced brokers at BrokerLink are here to help.

At BrokerLink, our brokers have years of professional experience in all areas of insurance. With access to some of Canada's top insurance companies, we're able to help customize an insurance plan that works for your needs and budget. To work with BrokerLink, feel free to visit us at one of our many locations across Canada. If you can't make it in, contact us over the phone to speak with someone about your coverage options. Alternatively, you can get a free competitive insurance quote using our free online quote tool!

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