Where is auto insurance going?
Since 1990 auto insurance personal injury claims have been governed in Ontario by a no-fault system. By that it is meant that most compensation for injury in accidents comes from benefits paid under a government regulated standard Ontario auto policy. Before then, there were limited benefits available for medical expenses and loss of income from a person’s own insurer, but most compensation came from liability claims where a lawsuit was brought against the at-fault driver and vehicle owner where liability insurance covered drivers for such claims and paid out any victim who made a claim who was not the at-fault driver.
http://adrworks.com/personal-injury/auto-insurance-changes-coming-again/