2026 Ontario Motor Vehicle Accident Deductibles, Thresholds, Indexation Percentages and Capped Increases

The Ontario Government in consultation with the Insurance Industry annually determine and decide the below amounts applicable to injured and disabled persons in Ontario limiting their rights to recovery. These amounts are non-negotiable and apply to the relevant subject areas throughout the Province of Ontario as of the date of the regulatory change.

The present value discount rate used in the calculation of future economic loss awards for 2026 is 1% for the first 15 years and 2.5% thereafter.

The indexation percentage for 2026 has increased from last year’s percentage of 1.6% to 2.4% and this applies to monetary thresholds and deductibles for determining non-pecuniary tort awards and to benefits that are indexed under the 2010, 1996 and 1993 SABS.

The monetary thresholds above which statutory deductibles do not apply: For personal injury claims the number is $159,708.71 and for FLA claims the number is $79,853.70.

The deductible amounts for tort awards in 2026 are $47,913.01 for personal injury claims and $23,956.52 for FLA claims.

The guidance from the Financial Services Regulatory Authority of Ontario on all indexation amounts can be found at 2026 Automobile Insurance Indexation Amounts Guidance | Financial Services Regulatory Authority of Ontario.

The cap for general damages under the SCC trilogy according to McKellar Structured Settlements as of November of 2025 was $471,225. For 2026, the maximum CPP disability pension is $1,741.20 per month or $20,894.40 annually, and the minimum is $610.46 per month or $7,325.52 annually.