What is the penalty for driving without insurance in Ontario?

In Ontario, driving without insurance is a serious offense that carries significant penalties. The correct answer reflects the fact that individuals caught driving without insurance can face a fine starting at $5,000. This fine serves as a deterrent, emphasizing the importance of having valid car insurance, which is mandatory under the Compulsory Automobile Insurance Act in Ontario.

Additionally, the penalties can escalate depending on the circumstances, and the individual may also face further consequences such as a suspension of their driver's license and possibly being required to file an SR-22 form to prove they have insurance in the future. This highlights the legal framework designed to promote responsible driving and ensure that all drivers have the necessary financial protection in case of an accident.

Other options, such as merely receiving a warning, imply that there may not be serious consequences for this violation, which undermines the emphasis placed on the importance of insurance in maintaining road safety. Similarly, suggesting that no penalties are enforced is misleading, as the legal framework is quite strict regarding insurance regulations in Ontario.