In response to OPP crackdown on distracted driving, Anne Marie Thomas from Insurancehotline.com talks about how a distracted driving charge can impact your car insurance: In Ontario, a set fine of $490 and three demerit points upon conviction is the penalty, and judges could increase the amount up to $1,000 if the case goes to court. Drivers without a full license will receive a 30-day suspension upon the first conviction. Thomas also addresses when distracted driving becomes careless driving and how this change impacts on your insurance. Distracted driving in Canada now kills more people each year than impaired driving. “In a nutshell, distracted driving is anything that takes you away from the task on hand,” says Thomas.