wrangler, I'm in Hamilton, Ontario. Those are the options laid out on the notice. The tickets/conviction carries no demerit points, so I can only assume (and hope) that my insurance will not be affected...and as far as the day off work...I've got lots of vacation time left...so I'd just book it as a half day off...so that is not an issue. I've got a message to a friend at work who's husband is a Cop...I'll see what he says. [EDIT]: Upon a quick Google search, and assuming nothing has changed in Ontario in the last 2 years...because these traffic cams only identify the vehicle and not the licence of the driver...it is not applied to the driving record and does not affect insurance! Phew!!!!