2024 Increases to Statutory Deductibles, and Monetary Thresholds If you are the victim of a motor vehicle accident, the Insurance Act in Ontario will govern your claim for recovery against the at-fault parties. In the case of a car accident, Section 267.5(5) of the Insurance Act stipulates that in order to recover monies for general damages, also known as “pain and suffering”, you must meet the following legal threshold test: Section 267.5(5): Despite any other Act and subject to subsections (6) and (6.1), the owner of an automobile, the occupants of an automobile and any person present at the incident are not liable…