ARE DEDUCTIBLES A TAX ON PAIN?

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Consumer advocates says Ontario's auto insurance industry is turning people's pain into record profits with the help of government regulations.

Richard Halpern of the Ontario Bar Association's auto insurance group says profits have skyrocketed since the province made regulatory changes in October 2003.

The current regulations deduct $30,000 off insurance compensation awards and toughens a victim's responsibility to prove real harm after an accident.

Former associate chief justice Coulter Osborne likens the deductible to a "tax on pain." [...]