There are several angles to the current system vs. the no fault system but in the end I don't know that the consumer will be any better off with no fault. The theory is that for the most part you cut the personal injury lawyers out of the equation therefore reducing overall claims costs which in turn should lead to lower premiums for everyone. The reality is that Ontario has had no fault for a long time and they pay way more for insurance on average than we do here in Alberta, so where did things go wrong? As I understand it (and this is by no means guaranteed) Alberta is looking at somewhat of a hybrid system that will give you the choice to pay extra and still retain the right to sue the other guy for injuries in some circumstances. Frankly the whole thing seems like a shell game to just shift costs from one pocket to the next but in the end I don't think it's going to be any cheaper for the average Albertan.
"Masked Bandit is a gateway drug for frugal spending." - Unknown303