Report finds that safe drivers pay $65 each to subsidize premiums for high-risk drivers.
Two separate cases end in monetary penalties for agents who ignored letters from council.
Mitigating conduct leads council to give agent additional time to pay fine.
Slower transition in Canada gives insurers opportunity to learn from European experience.
Slow uptake attributed to the fact that tests are new, not standardized and unregulated.
Most Canadian insurers postpone non-essential issuance because of rising new debt costs.
Équité Association compiled data provided by law enforcement agencies.