The problem with the Ontario auto insurance system, however, is not who is delivering it but the system itself. All drivers, including those who have never been in a collision, pay for rich and often unnecessary benefits. These high premiums line the pockets of those in the “car accident business” like tow truck drivers, lawyers and auto repair shops. These players drain much-needed resources and, in some cases, defraud the system by staging collisions, falsifying medical claims and exaggerating auto body repair costs.
http://www.thespec.com/opinion-story/5475887-insurance-bureau-working-for-better-system/