As for public auto insurance...
http://forum.skyscraperpage.com/showthread.php?t=236784
EVERYONE in BC (especially in the Lower Mainland) has an irreparably bad impression of ICBC.
In that case, is the failure of ICBC simply due to mismanagement (and incompetency), insurance fraud and other secondary factors, or does it show that public auto insurance isn't the way to go?