Despite having a no fault-esque system, if you do something stupid, especially either outrageously stupid or repeatedly stupid your insurance rates WILL go up. In fact you'll find yourself back in facility where you'll pay extortionate rates. As well as it should be for such cases as I've mentioned. If some fuckhead breaks into my car, where I live in a pretty good area, my rates shouldn't go up. That's the theory anyways. It's hard to tell since the insurance industry lost a great deal of money (supposedly) a few years ago in the stock market and are trying to make up for it off the public's backs. The insurance industry made a fairly healthy profit last year... There's been a very loud outcry for public insurance like what BC has or a hybrid where the basic insurance is government run and the frills are privately run. Competition works in some areas but not so well in others. I don't like the fact that insurance companies are trying to make a profit off my insurance payments. Same with our private electricity market. A collossal mistake that was by the Tories and now Liberals who are keeping things the same despite election promises otherwise...