Simple, End ICBC's monopoly.
Allow private insurance companies to sell all kinds of auto insurance in British Columbia and the problem would be fixed for BC taxpayers and motorists alike almost over night.
ICBC has never operated like a REAL insurance company because they were a misguided political football from their inception over 4 decades ago. With competition, one of two things would happen to ICBC; they would either go out of business, or they would begin to operate like a real business to survive. (Realistically, since ICBC has no idea how to compete, the former option is far more likely than the latter.)
It would also be good for the greater BC economy because most motorists would have more free cash to spend on other things rather than overpriced insurance premiums.
Drew Bryant