Every year, the Financial Services Regulatory Authority of Ontario (FSRA) increases the auto insurance Secret Deductible on your pain and suffering damages if you’re injured in a car crash. 

The Secret Deductible was indexed by the Liberal government four years ago and therefore increases every year.   And during the last few years, we have also seen steep increases in insurance premiums. Profits for insurance companies are up, too! The only part of your insurance policy that does not increase is your coverage. You are literally paying more and more and are getting less and less.


Ontario’s auto insurance is seriously broken and the secret deductible is one of the main reasons why!



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