u/Prestigious-Bit-748

I’m in Ontario and I’m trying to understand how OAP 1 Section 2.2.1 (Newly Acquired Automobiles) works.

I purchased a vehicle and had an existing auto insurance policy on another vehicle. I received tickets while driving the newly purchased vehicle before I contacted my insurance company to add it to the policy.

Section 2.2.1 of the OAP 1 says that a newly acquired automobile is insured as long as the insurer is informed within 14 days of delivery. I’ve also seen the Ontario Superior Court decision in Johnson v. Jevco, which described the 14-day period as a grace period for arranging continuing insurance rather than a precondition to coverage.

My question is:

If I was within the 14-day period when I received the tickets, would Section 2.2.1 have been active and would the vehicle be considered insured at that time, assuming all the other requirements of 2.2.1 were met? Or does the coverage only become effective after the insurance company is notified?

I’m specifically asking about the status of the insurance coverage on the date I received the tickets, not whether I should have notified the insurer sooner.

Thanks.

Hi, I have a 2012 Honda Accord Coupe EX-L V6 HFP with about 238,000 km. The car has an intermittent misfire that mainly happens at high RPM or heavy acceleration. Under normal driving it usually feels fine, but when I really get on the throttle, the check engine light starts flashing and the engine loses power. After I turn the car off and restart it, the light goes away. I’ve already replaced all six spark plugs and the ignition coil on cylinder 5, but the problem still happens.