No fault accident benefits were supposed to compensate Ontario drivers for the significant reduction in their right to sue. 20 years ago when the right to sue for car accidents was restricted to serious and permanent injuries, the quid pro quo was a generous amount of benefits to cover lost income, caregiver and housekeeping help and medical care.
http://otlablog.com/only-the-rich-can-afford-lower-car-insurance-premiums/