Why can't we change the insurance system such that automobile insurance (and all related costs for automobile insurance) ONLY covers you for the costs related to your vehicle and the accident or claim at hand - not any of the health and injury costs?
ie. Your vehicle insurance policy should only cover all the costs related to the liability damages, property damages to your vehicle and any/all vehicles involved in the crash, theft, fire, etc. whatever options you choose (as it is today), however;
If you want health insurance and/or life insurance, you get that as a separate item. Your life insurance premium will depend on MANY factors like your age, hobbies, location, whether or not you smoke or drink, etc. etc. and you can get as much coverage as you need?! If you don't have a car, then you shouldn't have "driving" included in your regular health insurance (but you'll probably have to buy it when you rent a car)
The whole thing seems redundant; health coverage from the province of Ontario, work benefits, spouse's work benefits AND a (mandatory) life insurance plan if you have a mortgage WTH