Obviously, the people who are in this predicament didn't do their homework and are suffering the consequences for their lack of exercising due diligence. That being said, I have always had an issue with the "Policy Wonks" at TC who consistently drop their drawers in front of the insurance lobby and seem to only believe in a Made in Canada solution to things without looking at the impacts on the market. What that does IMHO is limit the choices and raise prices for consumers. I think what we need ideally, are harmonized vehicle standards for the North American Market only then will prices and choices be better for Canadians.