In British Columbia, we solved it by switching to a "no fault" regime where motorists and the government insurance provider are simply legally impossible to sue

In British Columbia, we solved it by switching to a "no fault" regime where motorists and the government insurance provider are simply legally impossible to sue for damages. If you are rendered as a quadriplegic because of a negligent driver, you may get some of your rehab paid for by the government if they agree that your therapy is required. You will receive precisely $0 for your reduced quality of life. So, problem solved. Simply abdicate any responsibility for the disastrous consequences motorists impose on pedestrians and cyclists, all for those sweet sweet low premiums!