Solutions to Stabilize Rates Industry’s number one goal is for the auto insurance system to work for drivers. Here is the package of reforms that we are proposing to the government: Introduce a $5,000 cap on pain and suffering awards for minor injury claims.Improve health outcomes for people injured in collisions by introducing pre-approved treatment programs for minor injuries.Make it easier for people to repair and replace their damaged vehiclesDouble the amount of treatment benefits available after a collision and make this coverage mandatoryFacilitate competition and innovation by allowing insurers to compete on price, product and service offerings. For more detail on these options, click here for the reports that IBC submitted to the PUB through the government’s review process.Additional Information: It's Time For Change Explaining the Cap Frequently Asked Questions All About Auto InsuranceRegardless of where you live in Canada, auto insurance is required by law. You are not authorized to drive without it. Useful LinksInsurance BasicsWithout insurance, driving a car, buying a home or starting a business would be an unaffordable risk.Insurance-Buying TipsInsurance is a significant investment. Before you purchase coverage, getting answers to key questions can help you make informed decisions. Crisis ManagementIf you find yourself in a crisis situation, never admit liability. Facility AssociationFacility Association’s mission is to administer the automobile insurance residual markets, enhance market stability, and guarantee the availability of automobile insurance to those eligible to obtain it.