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Reporting Fraud

Report the Crime

​​​​​​If you suspect insurance fraud, document your concerns. Take detailed notes of all dates and times. Save all correspondence with any service providers or other individuals you deal with.

​When fraud is suspected, maintaining a record of evidence can help you to prove it.  Include emails, voicemails, text messages and other documentation such as:

  • Estimates and invoices
  • Work orders
  • Medical reports
  • Financial transactions and bank records
  • Claim forms
  • Other related information

Personal Safety Comes First

Avoid creating conflict or altercations when obtaining information related to a fraud situation. If you feel unsafe, insecure or intimidated at any time, call police or someone you trust. You may be in a unique position to document important information that will assist insurers and authorities in addressing concerns related to possible insurance crime.

​4 Ways to Record Vehicle Damage Fraud

  1. If possible, take photographs of the vehicle before and after it was damaged, and take photos before and after repairs are completed.
    1. Include all sides of all vehicles, whether they appear to be damaged or not.
    2. ​Where it is safe, possible and practical to do so, place a measuring tape or metre stick in the photographs where damage is present.
  2. If you notice damage to a vehicle that appears to be unrelated to the collision, make a note of it.
  3. Note whether air bags were deployed in any vehicle.
  4. Identify and record any possible witnesses or evidence of the collision. This may include intersection or business security cameras in the area or vehicle dashboard cameras.

3 Tips for Tracking Injury-Related Fraud

  1. Maintain a personal record of all appointments kept and the goods and services provided to you. Note any information related to your activities that might assist with reconciling events and treatment dates.
  2. If you are a health care provider and believe you may be a victim of health care practitioner identity theft, report your concerns to your professional college or association, IBC and/or Health Claims for Auto Insurers (HCAI).
  3. If you live in Ontario, you can anonymously report injury-related insurance fraud to the Financial Services Commission of Ontario (FSCO).

Take the Time. Report the Crime.

Help catch fraudsters. If you’ve witnessed or have information about a potential crime, you can:

  • File a report with local police, or the provincial or territorial Crime Stoppers organization
  • Make an anonymous call 24/7 to 1-877-IBC-TIPS (422-8477)
  • Complete and submit an anonymous online tip form​
  • Contact an IBC Consumer Information Officer
  • Tell your insurer about your concerns
  • Notify the Canadian Anti-Fraud Centre if applicable
  • Consider consulting with legal counsel​