This is incorrect, and any lawyer who charges 45% contingency is in violation of BC Law Society Rules and should be reported. Lawyers are only allowed to charge a maximum of 33.3% on personal injury claims related to a motor vehicle accident, up to and including trial. An appeal requires a separate contract.
A move to no-fault insurance does not eliminate fault in an accident. ICBC will still make that determination. No-fault means you can't sue the at-fault party for damages related to your injury (pain and suffering, wage loss, future care, capacity, in-trust claims etc). How ICBC determines rate increases based on fault is completely up to them.
Make no mistake, the move to this system will save you money, but only if you are never seriously injured in an accident. This is how insurance works, you only want it when you need it. The elimination of legal representation means there are really only 3 parties involved in your accident now, you, ICBC, and your doctors. ICBC has stated that they will work with your doctor to help establish your true losses and compensate you accordingly. I pose the question: does your doctor have the time, expertise, or inclination to deal with an ICBC adjuster on your behalf?