I can also speak from experience, about 25 years ago someone ran a red light and t boned my car at full speed, car was a write off and I sustained soft tissue back injuries that came and went for about 3-4 years. With a lawyer I got $9500 and that was with some serious negotiation
The debate was on the substantial increase of mild injuries claims paid out by ICBC in recent times (from $8k/claim in 2012 to $30k/claim in 2016) and its subsequent effect on the financial viability of ICBC. I am sorry, but the $9500 settlement you received in the 1993 (which btw if adjusted for inflation would be close to $17K in today's dollars) is not a valid data point to include in this discussion.