The biggest issues here is we do not have options for insurance, it is a single government provided insurer. They fight for both sides and it makes things drag out. I have had a friend who had spent years litigating, in the process racking up debt for treatments and lawyers, before it gets settled.
Also no competition makes insurance expensive, no matter what they say we pay higher rates. I pay about triple than what I paid in ON or NY for equivalent coverage; that's with a 43% good driver discount.