Ontario Injury Compensation Estimator
Most Ontario compensation calculators quote a number and stop. This one shows you the part that gets taken off: the statutory deductible, which removes tens of thousands from a pain and suffering award before you see any of it.
Work out what actually reaches you
Nothing is sent anywhere and nothing is stored. Move the figures and watch what Ontario takes off.
To recover for pain and suffering after a motor vehicle collision, the injury must have caused death or a permanent serious impairment of an important physical, mental or psychological function.
Insurance Act, R.S.O. 1990, c. I.8, s. 267.5(5)
Canadian law also caps damages for pain and suffering. The cap comes from a 1978 Supreme Court of Canada decision and rises with inflation, and only the most catastrophic cases approach it.
In a lawsuit over a motor vehicle collision, income lost in the first seven days after the incident cannot be claimed. Income lost after the first seven days and before trial can be claimed only up to 70 per cent of the gross income lost.
Insurance Act, R.S.O. 1990, c. I.8, s. 267.5(1), paras. 1 and 2
If you were partly at fault, the court reduces your damages by your share. The statutory deductible comes off a pain and suffering award first, and your share of fault is applied after that.
Negligence Act, R.S.O. 1990, c. N.1, s. 3; Insurance Act, s. 267.5(7), para. 4
Family Law Act claims by relatives of an injured person carry their own, lower deductible. A family member can claim for loss of care, guidance and companionship only if the injured person meets the same permanent and serious test. Where the injured person has died, no deductible applies to that claim.
Insurance Act, s. 267.5(5) and (8.1.1); Family Law Act, R.S.O. 1990, c. F.3, s. 61(2)(e)
$47,913 of that award never reaches you. Ontario removes it by statute, and the jury is not told it exists.
The deductible is larger than the award, so nothing under this head would reach you at all. This is the outcome most people are never told about.
Above $159,709 the statutory deductible no longer applies, which is why the whole amount reaches you.
Because you do not expect a permanent serious impairment, pain and suffering is likely unavailable. Income loss and care costs are separate claims and may still be.
Ontario does not let you claim the first seven days of lost income, and before trial only 70 per cent of the rest.
This is an arithmetic tool, not advice and not a valuation. It applies Ontario's statutory deductible to figures you enter yourself. It does not know your case, it cannot tell you what your claim is worth, and nothing it displays is legal or financial advice or a promise of any outcome. Every case turns on its own medical evidence. Speak to a lawyer before relying on any number.
Have a lawyer look at the real numbersEmail these figures to yourself
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Call (416) 678-8765Money while the claim runs
A claim takes months and sometimes years. These are the things that decide whether that period is survivable, and none of them are about the final number.
Your own insurer pays first, whoever caused it
Accident benefits come from your own policy regardless of fault, and they are what funds treatment while the tort claim is still running. They are a separate claim with much shorter deadlines.
Check what optional coverage was bought
Since July 1, 2026 income replacement, non-earner and caregiver benefits are optional in Ontario. If they were not purchased, the income support many people assume is automatic is not there. Find this out early, not at the point you need it.
The first offer arrives before the evidence does
Early offers are made while the medical picture is still unclear, which is precisely why they are made early. Accepting one usually ends every other claim arising from the same event.
Keep every receipt, from day one
Mileage to appointments, prescriptions, devices, paid help with housework. These are recoverable and they are almost impossible to reconstruct eighteen months later.
Do not let money decide when you settle
Pressure to settle early is usually financial. We advance the cost of building the case, and accident benefits are there to fund treatment, so that the timing of a settlement is driven by the evidence instead of by a bill.
This is guidance about how injury claims work in Ontario. It is not financial, tax or investment advice, and it is not advice about your own situation.
Deadlines that apply to you
These are the dates that end claims. Check them first.
In most Ontario claims you have two years from the day you knew, or ought to have known, that you had a claim.
Limitations Act, 2002, S.O. 2002, c. 24, Sched. B, s. 4
Tell your own auto insurer about the collision as soon as you reasonably can, and no later than seven days.
Statutory Accident Benefits Schedule, O. Reg. 34/10, s. 32(1)
Once the insurer sends you the application package, the completed application for accident benefits (the OCF-1) is due back within 30 days.
Statutory Accident Benefits Schedule, O. Reg. 34/10, s. 32(5)
Questions we get every week
Ontario removes a fixed amount from most pain and suffering awards in motor vehicle cases before you receive anything. It is set by statute, indexed every January, and the jury is not told it exists.
Once the award for pain and suffering rises above the indexed threshold, the deductible stops applying entirely. That is why a small increase in the award near that line can change what reaches you dramatically.
No. It applies to damages for pain and suffering. Income loss and the cost of future care are separate heads of damage and are not reduced by it.
No, and no honest tool can. What a claim is worth depends on medical evidence, the effect on your ability to work, and the cost of care over time. This tool only applies Ontario's arithmetic to figures you enter yourself.
Compensation for pain and suffering requires a permanent serious impairment of an important function, or death. If that test is not met, that head of damages is unavailable, though income loss and care costs may still be claimable.
Related areas
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After a car accident in Ontario you usually have two separate claims running at the same time: accident benefits from your own insurer regardless of who caused the crash, and a claim against the driver at fault.
Read moreAccident Benefits
Accident benefits are paid by your own auto insurer regardless of who caused the collision.
Read moreCatastrophic Injury
In Ontario, a catastrophic impairment designation raises the combined medical, rehabilitation and attendant care limit from $65,000 to $1,000,000 and removes the time limit.
Read moreYour fight becomes ours the day you call us.
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