Protect yourself from auto insurance fraud
By being vigilant, Ontario drivers can help put a stop to fraudsters who abuse the automobile insurance system. Keep this in mind to protect yourself from auto insurance fraud.
When Buying Auto Insurance:
- Use a licensed insurance company, agent or broker. The Financial Services Regulatory Authority of Ontario (FSRA), an agency of the Ministry of Finance, regulates insurance in Ontario. Visit FSRA’s website, to check whether an insurance company or agent is licensed. The Registered Insurance Brokers of Ontario (RIBO) is the self-regulatory body for insurance brokers in Ontario. Visit RIBO’s website, to check whether an insurance broker is licensed.
After an Auto Collision:
- Collect as much information as possible. Take photos of the collision scene. Get the names, addresses, phone numbers, licence plate and driver’s licence numbers, and insurance information from all those involved in the collision, including passengers in the other vehicle(s).
- Be suspicious of referrals. Be wary if you are pressured or offered money by a tow truck operator to go to a particular body shop, lawyer, paralegal or health-care provider. Contact your insurance company for information on towing and where to take your vehicle to be repaired.
- Refuse to sign blank forms in advance of receiving any services or health-care treatment related to your collision.
- Demand detailed repair and medical bills for any goods and services related to your collision, and review them carefully.
Visit the Financial Services Regulatory Authority of Ontario (FSRA) website for information on how to avoid, detect and report auto insurance fraud.