I guess a little additional info for our friends south of the border who- as best I can tell- have private insurance.
A number of provinces in Canada have automobile insurance providers that are a branch of the provincial government. For example here, we have SGI Saskatchewan. ICBC is the one that the government pulls strings on in B.C., and so on.
So- while there's a few benefits there is also a laundry list of downsides. For example, I can plate my truck for a full year here which includes 2mil liability, collision insurance, etc for about $1300 a year. I also add a comprehensive package policy which gives me a host more benefits. The downside? They have you by the balls. It is illegal to operate the vehicle without SGI insurance. While SGI has- for the most part- been good, I have heard horror stories. When you get in an accident, you basically have to take what they offer and that's end of story.
On to ICBC- I know people personally who have had nightmare dealings and including this thread have read many, MANY horror stories. Price gouging, shady repairs, and to top it off they have a monopoly. The government turns a blind eye because it is a cash cow. Body shops make a killing off them for shoddy work. They overcharge ICBC for half ass repairs and are never taken to task on it because nobody ever checks up on them. Not all, but a number do. There are some really great shops out there, but some shifty ones too.
So, when I read the suggestions to lawyer up- just realize they would be fighting a branch of a provincial government. They would tie that up in bureaucracy until the truck had rotted away, OP got sick of it and abandoned it, or OP died of old age.
Sorry to hijack a bit, and if these tidbits were already common knowledge then disregard [emoji16]