In Saskatchewan at one point they went to a hybrid no-fault vs Tort system.
In a no-fault system there are set payouts for certain injuries. You effectively get demonstrated losses. So lost income plus therapy and then very limited pain and suffering payouts. The goal in Saskatchewan at the time was to reduce insurance premiums by reducing payouts and legal fees.
In theory where accidents, injuries and recovery could all be put in neat boxes of severity and consequence it would be an excellent system. Unfortunately the world doesn’t work like that. I was leaving Saskatchewan as this was being implemented so don’t know whatever happened or how it worked out.
But going to a no-fault vs a tort system has been done in other jurisdictions.
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