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Most Ontarians are not aware of the limits on their car insurance benefits. I’ve written extensively on the regular changes to the benefit limits, which consistently trend downward. Successive governments have been lobbied heavily by the incredibly profitable car insurers to justify some of the highest premiums in Canada with some of the lowest benefit rates.

https://www.deutschmannlaw.com/blog/post/caps-to-pain-and-suffering-awards-should-be-eliminated-for-the-good-of-injured-people