> Maybe its different in Quebec

I asked about whether the insurance rates went up, and what was described to me by Wolf's husband was that the insurance rates weren't significantly adjusted on an individual basis but rather by the total number of accidents by all policy holders. Maybe that's Quebec, maybe I misunderstood, or maybe he was wrong. In any case, thanks for the more concrete information.

Kaz tells me his experiences in Montreal were similar to mine but that he hasn't had that problem in western Canada. I feel better knowing it isn't the whole country.