Toronto is remarkably safe and the streets are vibrant with pedestrians and bicyclists, even at night in most neighbourhoods. If you use common sense, you should have no trouble at all.
The overall violent crime rate in Canada, and particularly in Toronto, is much lower than that found in major cities in the United States. Petty crime is generally not a problem in Toronto, but as always is the case, keep vigilant with your possessions. Car and bike theft are comparable to other large North American cities.
There are neighbourhoods which are known in the media and on the street as being more dangerous, though police statistics are not commonly used to justify these beliefs. Nevertheless, while assaults and other crimes can happen anywhere, especially late at night when few people are around, it is reasonable to avoid certain areas (again, generally late at night). These areas include in the old city and inner bouroughs: Crescent Town, Regent Park, parts of Parkdale, parts of St. Jamestown, Moss Park, Alexandra Park, Flemingdon Park/Victoria Village and Weston-Mount Dennis. Outer areas: Jane and Finch ("Jane Corridor"), Lawrence Heights, the Peanut (i.e. Don Mills and Sheppard), Rexdale/Jamestown Crescent, Malvern, Kingston and Galloway, Steeles-L’Amoureaux, Dorset Park, Westminster-Branson and Eglinton East-Kennedy Park. Stay away from dodgy looking areas, where drugs, prostitution and violent crime such as armed robberies can occur. These neighbourhoods become noticeably worse from a visual standpoint, giving ample warning to turn around.
Toronto has a visible homeless population, many of whom will ask you for money. If you do not want to offer them money, simply look the beggar in the eye and say "No thank you" or ignore them. If you do give the person money, they usually leave you alone. There have been occasional occurrences of aggressive beggars, with one resulting in a fatality. If a beggar becomes aggressive, move away quickly and alert a police officer.
Beggars in Toronto have been known to ask for handouts on the pretext that they need TTC (Toronto Transit Commission) fare. When offered TTC tokens, they will accept them and then approach other passers-by in an attempt to resell these tokens for cash. If a street person offers to sell you a token they claim to have "found" in Toronto, sometimes at less than face value, odds are this fare media was given to them by some well-meaning passer-by who believed their false claim that they needed TTC fare to get home.
There have also been instances in the past with "squeegee kids" who would jump into intersections when traffic is stopped at lights and solicit money for cleaning windshields. This is becoming less common as this form of interference with vehicle traffic is expressly illegal under Ontario's Highway Traffic Act and may be reported to police.
Be careful when getting off the streetcars and look always to your right before leaving the car. Although vehicles are supposed to stop when the streetcar doors open, some motorists and cyclists will ignore this and keep going.
The proliferation of mobile data devices has led to "multitasking" in a large percentage of the pedestrian population of this city. If driving, cycling, or even walking, in Toronto do not forget to keep an eye open for a pedestrian who may be a little more focused on his or her device than is healthy.
Avoid river/creek banks or bridge underpasses during periods of excessive rain, during/after heavy thundershowers or melting snow. Recent flooding can soften soil and cause it to suddenly collapse into the water under any weight.
Occasionally, Toronto will be hit with a severe winter storm accompanied by significant snowfall (quite often mixed with freezing rain/ice/sleet). Avoid driving during and immediately after the storms if at all possible. This is especially true for those unfamiliar with winter driving and controlling a car in a skid. Take public transit, walk, or stay inside.
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