Please read carefully. This tool illustrates how Ontario's statutory deductible and monetary threshold for general damages work in motor vehicle claims, using numbers you enter. It is not legal advice, not a calculation of your claim, and does not create a lawyer-client relationship. The deductible and threshold amounts are set by regulation under the Insurance Act and are indexed and change every year — the values pre-filled here are 2026 figures shown only as a starting point and may not be current. Whether the deductible applies, whether your claim meets the legal threshold test, and how damages are assessed all depend on your specific facts and current law. Confirm current figures and how they apply with a licensed Ontario lawyer. Azimi Law is regulated by the Law Society of Ontario, and its founder Ben Azimi is a member of the Law Society of Ontario. Your privacy is protected. Everything you enter is processed entirely in your own browser — it is not transmitted to, collected, or stored by Azimi Law unless you deliberately choose to contact us. Any personal information you share is handled in accordance with our Privacy Policy and applicable privacy legislation, including Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA). Current as of July 14, 2026. The information in these guides reflects our understanding of Ontario law as of that date. Legislation, limitation periods, benefit levels, and dollar figures change over time and may have changed since; this content may become out of date. Azimi Law makes no representation or warranty that it is accurate, complete, or current, and accepts no responsibility for any decision or action taken in reliance on it. Always confirm the current law with a licensed Ontario lawyer before acting.
The idea in one line: for pain-and-suffering (general damages) in a motor vehicle claim, Ontario applies a fixed deductible — unless the award is above a threshold, in which case the deductible falls away. These amounts are set by regulation and indexed for inflation every year.

Try it with your own numbers

Enter an illustrative pain-and-suffering award to see how the deductible applies. The deductible and threshold below are pre-filled with 2026 figures — update them to the current year's amounts (a lawyer or FSRA can confirm them).

What this means in practice

Small awards can vanish

If a pain-and-suffering award is below the deductible, the deductible can reduce the recovery for that head of damages to zero.

The threshold is your friend

Once the award is high enough to clear the threshold, the deductible no longer applies — so the difference between "just under" and "just over" is huge.

It only hits general damages

The deductible applies to pain-and-suffering. Income loss, future care, and out-of-pocket costs are calculated separately.

There's also a "verbal threshold"

Separately, MVA pain-and-suffering claims must meet a legal test — a permanent, serious impairment of an important function (or death). A lawyer assesses whether your injuries qualify.

This is exactly why the right advocacy matters.

How injuries are documented and presented can decide which side of the threshold you land on. Free consultation · No win, no fee.

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