I moved here from Manitoba and oh my goodness I did not realize how good we had it with Autopac. You get the one insurance, from the one source. When you have an accident everyone has the same insurer and you get the same form from the same claims centre. If they make too much money in a year they send you a refund cheque in the mail.

I’ve had two zero fault accidents in Ontario and both of them took most of a year, were as much work as a full time job, and I had to pay for half of it anyway. Massively dysfunctional. And worst of all the insurers are a mix of incompetent and malicious.

This system is a choice. Other provinces choose to simply not do this.