As for the age discrimination issue, motnot, I think you have to go right back to the insurers.
Insurance companies charge more for liability insurance for drivers aged 16 - 24. The rental car companies pass this on in the form of "underage fees."
Best argument for no-fault systems. But then again, in the U.S. "civil litigation is better than the lottery" system, any serious proposal for no-fault would run headlong into an active lobby of ambulance chasers.
3 cheers for Canada, eh?