Canada Better for Auto insurance

I was speaking to a friend of mine who lives in Canada and she was telling me all about her recent experience with her http://www.kanetix.ca/auto-insurance car insurance company.  She apparently had a car accident a few months ago.  She  sustained some minor injuries and had to get a rental car, since her  car had been totaled. Someone was trying to hurry up and turn in front  of her as she was approaching a green light doing the speed limit.   Well, she said it was like he came out of no where, and although she  tried to clear his car, she wound up hitting the tail end of his car,  because she could not completely clear it.  The other party was found  to be at fault and was ticketed for his actions.  She said that she  reported the accident right away to the insurance company and filed a  claim, but that her insurance company has been giving her the run  around and has not to date paid her for anything except they did  replace her car, because she had an insurance policy that paid off the  note on her car and so she was able to get that much done.  She said  that now she has had to contact the Financial Services Commission which  apparently, she explained is the governing body over all http://www.kanetix.ca/auto-insurance Ontario auto insurance and all insurance in this region.  They regulate and oversee problems  with insurance and they accept consumer complaints and investigate  them.  She said that the FSC has now contacted her and are getting her  claim processed for her and that she should be receiving a check in  just a few weeks.  She is relieved and I told her that seems like a so  much better system than the whole get an attorney and sue thing that we  have going on here in the US.  She agreed and said that in many ways  living in Canada is a much higher standard of living than in the US.   She said that she is really glad that she relocated to Ontario and  finds that the government there really supports and takes care of its  people.  I told her maybe I should pack my bags, of course I was only  half kidding.  I mean it sounds good, but I am not sure if I could  handle the culture shock.  I am kind of a creature of habit, and I am  afraid that it would rock my world to take on living in a new country  at this stage of the game.