Left Navigation Insurance Crime IBC provides investigative services to help contain the premiums of honest Canadian policyholders. Insurance Crime: Recognize it. Report it.Whether you are just learning to drive or are an experienced driver, you can be the target of criminal activities related to insurance fraud. IBC cooperates with insurers and authorities to detect, deter and disrupt opportunistic and premeditated insurance fraud schemes that put public safety and security at risk. Opportunistic Fraud ScenariosWhen someone uses a legitimate loss to make an inflated claim and obtain an unwarranted insurance payment, this is known as opportunistic insurance fraud. These situations can involve: Pre-collision vehicle damage that is included in an auto insurance claimAdditional damage that is inflicted to the vehicle after a collision to increase the cost of the repairsA person who exaggerates injuries following a collision to collect benefits (also known as personal injury fraud). Examples include:Malingering injuries and extended recuperation timeMedical services fraud involving a health care practitioner who exaggerates the severity of a patient’s legitimate injury and increases the amount billed for assessments, treatment and/or assistive devicesOffering or accepting “free” health care treatment for an injury that is unrelated to a collision or not medically necessaryEncouraging anyone to participate in fraudulent activityMisrepresenting the condition, mileage, or value of installed components of a vehicle that has been stolen Making a claim for property that was not actually stolen or damaged during a real vehicle theft or break-inMisrepresenting the facts regarding fire, water, theft or collision damages so that otherwise uninsured losses can be claimed. Premeditated Insurance Fraud This type of fraud occurs when someone devises a way to claim for an insured loss event. Premeditated fraud often involves extreme action, such as:Causing a vehicle collision with unsuspecting drivers or staging a collision with other conspirators. One or more people then claim and collect benefits from insurance companies for non-existent injuries. This kind of fraud may also have related financial and human costs, as unsuspecting victims often suffer very real injuries.Making an insurance claim for an event – collision, vehicle theft, break-in, etc. – that never happenedA health care facility charging an insurance company for medical services that were never providedA health care facility using a medical practitioner’s professional credentials to charge an insurance company for services that were not renderedEncouraging anyone to participate in fraudulent activityIntentionally burning a vehicleFalsely reporting a vehicle or its contents as damaged or stolenDevising a way to avoid paying insurance premiums, including:Reporting residency at one address when living at anotherNot reporting licensed drivers in the household, or misrepresenting primary vehicle drivers – this may occur when an inexperienced driver is actually the principal driver but a parent or grandparent is reported as the principal driver on the policyKnowingly purchasing phony proof of insurance cards or pink slipsFailing to report significant changes to the condition, value or use of insured vehicles – for instance, making deliveries or transporting passengers for a fee or as part of a paid service such as a daycare when a vehicle is insured only for personal use.Don’t Be Scammed – How IBC Supports Fraud Prevention IBC’s investigative services works with and on behalf of its member companies to investigate the involvement of organized crime groups in insurance fraud. These groups often plan staged collisions and may have ownership or interest in service-provider companies that could profit from false insurance claims. Examples of service providers include body shops, tow truck companies, legal representative firms, health clinics, and assessment centres. Take the Time. Report the Crime.Help catch fraudsters. If you have witnessed or have information about insurance fraud or a potential crime, you can:File a report with local police and/or a provincial or territorial Crime Stoppers organizationMake 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. Related ServicesStaged CollisionsA staged or alleged vehicle collision supports false auto insurance claims. Staged collisions put innocent drivers at risk and contribute to higher insurance premiums. 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. Employment Fraud Businesses can be greatly impacted by employment fraud. Recognize the insurance fraud situations that may occur and count as insurance 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. Auto Repair Facility FraudInflated 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. Useful LinksCanadian 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.