[Ben Dover]

You can thank the pig-headedness (is that even a word?) of ICBC and the glut of "Injury" Lawyers, for the current mess.
A friend of mine was rear-ended at 50 kmh and suffered some REAL injuries. ICBC's response was to settle for $10,000 and they dug in their heels.
Needless to say, it went to court and after 3 years he received a $270,000 payout.

So....by digging in, ICBC ensured that this would go to litigation. Instead of settling for say, $100,000 (to which my friend said he would have agreed)...there were lawyers, judges, depositions, statements, doctors, and countless other "costs pressures" that could have been avoided at the onset, if ICBC had played fair. 170% more than would have sufficed.

Any sort of insurance fraud should be dealt with SEVERELY as well.