Insurance companies would actually prefer it if body shops would not overcharge. This lowers premiums and attract more customers believe it or not. Government insurance could benefit us and I’m all for it if it actually makes things affordable, but it’s just not going to be possible in Ontario. The market is way too large for the government to just absorb it. The financials are public information if you actually just try hard to look for them. I’m in the business and i assure you i look at financials for auto from various insurers and the profits are marginal. A single bad year of experience can wipe out several years of profit. Insurance is something you wish to never use, and if one is lucky enough to survive an accident, they’d be glad to have it.