Well...

Insurance companies will tell you that they're not making much cash on auto insurance. This, you see, is due to all the corrupt people in Ontario.

Insurance is just as you said.

I can tell you...
My Talon got hit from behind by an 18 wheeler. I got blamed because i was turning into the other lane. Stop and go traffic. I lost some paint, the truck lost a light.

That report that said young males were worse than young females? Started in 1968. Completed 1972. It did indeed find young males had more accidents. But it also went on to say that males do the vast majority of driving, and that young males drive more than young females. It was something like 4:1.

My buddy had to take his insurance company to the Ombudsman or such when his insurance company broke the law. And they did the same thing years later, and "lost" the verdict.

All around disgusting companies with which to deal.