The question of whether Ontario auto insurance can survive generated a feeling of almost helplessness by brokers, who feel straitjacketed in what has become a government-controlled system.

What most of the public don't seem to realize is that the product we have in Ontario is completely determined by the government,” wrote Paul, expressing the frustration by a lot of brokers who are heavily invested in that province’s auto coverage market. “They decide what the wording will be and what the benefits are.

The system is very generous and that is what leads to the high costs AND the fraud that goes with it.”

The article, ‘Can Ontario auto insurance survive,’ shared the viewpoints of several brokers and one Canadian driver, on what they saw dysfunctional in that province’s auto insurance system, and what other provincial systems could be emulated.

For the reader Paul, it is not just a problem of political product control, but of premium.

“The next problem is also caused by the government controlling the rates,” he wrote. “If they mandate rate reductions to an insurance product that is designed to pay out generously you are forcing the companies to aggressively review claims. You can't collect less money and pay out more in claims.”