Car insurance in Ontario needs some improvement. I have seen in Saskatoon, people don't afraid to claim insurance for any damage of their car. But in Ontario, even when it is not their fault the don't want to claim or inform about the damage to the insurance company. Because, most probably the insurance comapny will find some hidden cause for not to give any help. If somehow they help they will take the record as a bad record and will increase the insurance monthly payment. Not only that they will increase the insurance fee for all car owners in that area by saying it is a dangerous area for car drivers.
The insurance suppose to be helpful for the car drivers, that's why it's mandatory. But in Ontario, it is a punishment. It is to increase corporates money, not to help the general drivers. Things should be improved.
All insurance claims should come through a government regulatory system, who will determine whether the person should get insurance help or not. 3rd party, Not the private company. And also insurance amount should be regulated by the same government regulatory board, so that corporate won't be able to charge extra to the general people.
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