I can briefly comment on TD auto insurance. after 19 years of accident free I was finally rear ended 2 months ago. After the other party originally wanting to deal under the table found out how expensive it was to fix a Lexus they decided to go thru insurance. my TD adjuster contacted me and warn me that TD will not pay for OEM parts (unless that is the only part available on the market). And personally since I have not had an accident for nearly 2 decades., I finally found out that things has changed since. Auto insurance company no longer can go after the other parties' insurance company. They are now following the same policy as Ontario where you deal directly with your own insurance, while the other party their premiums will go up due to the being at fault and becoming a high risk driver, your own repairs will be done at the mercy of your auto insurance and what they cover or not.
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2019 IS350 AWD
20xx NX350 AWD