Left Navigation Staged Collisions A staged or alleged vehicle collision supports false auto insurance claims. Staged collisions put innocent drivers at risk and contribute to higher insurance premiums. Types of Staged and Caused CollisionsA staged collision is no accident – it supports false auto insurance claims. A collision scenario can be mimicked regardless of the number of vehicles or occupants reported, the events reported, or the resulting damages and injuries. Examples include: A collision in which all vehicle occupants are aware of the scheme – if occupants were not in the vehicle at the time of impact, they are known as jump-insThe vehicles reportedly involved never actually collided with each other – this is known as paper fraud Drivers and/or passengers of other involved vehicles are innocent and unaware – this is known as a caused collision.Organized criminal groups will always attempt to disguise staged or caused collisions and paper fraud. Fraudulent collisions may result in real but unintended serious injuries to participants, bystanders and emergency response staff. These schemes pose a serious safety risk and create costs that are paid for by the general public. How Staged Collisions Cost EveryoneAfter staging a collision, a criminal ring will seek to maximize profits from their scheme by creating multiple insurance claims, for instance: A tow truck operator may bill insurers for towing vehicles from the scene to reporting centres and/or body shops. False fees for fake or unnecessary services may include charges for wait times, scene cleanup, use of dollies, etc. Drivers and passengers involved in a “fraud party” may submit false claims for: a. Vehicle damage b. Injury assessment, treatment, rehabilitation and/or assistive devices c. Loss of income and other services By requiring police, ambulance and fire personnel to attend a staged collision scene, limited resources – which could have responded to legitimate emergencies – are wasted. When drivers and passengers visit hospital emergency rooms or other public care facilities to legitimize false injury claims, care is delayed for other patients. Take the Time. Report the Crime.Help catch fraudsters. If you have information about auto insurance crime, you can:Make an anonymous call 24/7 to 1-877-IBC-TIPS (422-8477)Complete and submit an anonymous online tip formContact an IBC Consumer Information Officer. Take the Time. Report the Crime. Insurance crime isn’t always the work of organized groups or gangs running auto theft or insurance crime rings as a business. It can also involve normally law-abiding citizens who attempt to make a few extra dollars by padding an otherwise legitimate claim.So, You've Had an AccidentAccidents are stressful, but stay calm, and use this form to record important details. Filing an Insurance ClaimSometimes life happens. If you’ve been in a collision or if your home has been burglarized or damaged in some way, you’ll want to get your life back to normal as quickly as possible. Consider these tips when filing an insurance claim to help make the process a little easier. Related ServicesEmployment FraudBusinesses can be greatly impacted by employment fraud. Recognize the insurance fraud situations that may occur and count as insurance fraud. Medical Services FraudIf you are injured in a vehicle collision, medical services help you recover. However, unscrupulous rehabilitation clinics and assessment centres may engage in fraudulent activities. Auto Repair Facility Fraud Inflated towing fees and repairs to damages that existed before the insured incident are elements of auto repair facility fraud. Be mindful of repair facilities that take part in fraud. Paper Fraud and Jump-InsWhen a criminal reports a collision that never occurred, it’s known as paper fraud. Jump-ins are reported as collision occupants but were not in the vehicle at the time of the reported collision. Fraud Parties A complex auto insurance scam that involves multiple people is known as a fraud party. In this situation, an organized criminal group applies business principles to plan a highly sophisticated insurance fraud scheme. Useful LinksInsurance FraudIf you are seriously injured in an auto collision, your accident benefits (AB) coverage pays for rehabilitation treatment, income replacement and other services to help you recover. Canadian National Insurance Crime Services (CANATICS)CANATICS uses technology to support the fight against auto insurance fraud in Canada. We do this with an unwavering focus on privacy and security.