Apparently Canada has some rather backward insurance laws. While the state I live it does require mandatory liability coverage of a set minimum. We are also allowed the option to place a bond with the state. Where the state allows us to pay that minimum into a bond they hold. To ensure we can cover any future liability. You have to pay in either event, but they at least give us a choice. Personally I prefer the insurance, because it covers more then liability it will also cover my own personal injury.
I wonder why your rates are so high. I pay less they $1200 a year, and I have had a couple major accidents. Once I slid right off a solid sheet of ice that had formed on the road, and the second time I flipped my car swerving to miss a buck. The officer was kind of hilarious in hindsight telling me I would have been better off just hitting the thing. My response to that was like the other people that got a face full of antlers. Which is kind of a inside joke on that particular road. For some strange reason they seem to like sliding up the hood of cars right through the front wind shield. It isn't all that funny a couple people have basically been decapitated. Anyway he made some kind of comment to the effect it was that big huh. To be honest I was high on adrenaline at the time.
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