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Brokerage

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LifeInsurance RRSP.RESP HomeInsurance Business MortgageInsurance CommercialInsurance AutoInsurance

AdnanBihnan (FCIP)Trusted Insurance Advisor Since 1986

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Tel: 905.866.6203Toll Free: 1 866.316.1396Direct Line: 905.874.1632adnan_bihnan@cooperators.ca203 Main Street NorthBrampton,ON L6X 1N2

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Best Sellers Ltd.Brokerage

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Mississauga Executive Centre , Main Floor4 Robert Speck Parkway, Suite 150 Mississauga, ON L4Z 1S1

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BC (insurance Bureau of Canada) had this article on its website, would like to share with our read-ers not be a victim of insurance

crime as at the end we all pay for it .

Adnan Bihnan FCIP, Insurance Advisor with the Co-operators Insurance CoWhether you are just learning to drive or are an experienced driver, you can be the target of criminal activities related to in-surance fraud. IBC cooperates with insur-ers 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-colli-sion vehicle damage that is included in an auto insurance claim .

Additional damage that is inflicted to the vehicle after a collision to increase the cost of the repairs .A person who exaggerates injuries fol-lowing a collision to collect benefits (also known as personal injury fraud). Exam-ples include :Malingering injuries and extended recu-peration time Medical services fraud involving a health care practitioner who exaggerates the severity of a patients le-gitimate injury and increases the amount billed for assessments, treatment and/or assistive devices Offering or accepting free health care treatment for an in-jury that is unrelated to a collision or not medically necessary .Encouraging anyone to participate in fraudulent activity .

Misrepresenting the condition, mile-age, 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 ex-treme action, such as :1- Causing a vehicle collision with unsus-pecting drivers or staging a collisionwith other conspirators. One or more people then claim and collect benefits from in-surance companies for non-existent in-juries. This kind of fraud may also have related financial and human costs, as un-suspecting victims often suffer very real injuries .

2- Making an insurance claim for an event collision, vehicle theft, break-in, etc. that never happened .3- A health care facility charging an insur-ance company for medical services that were never provided .4- A health care facility using a medical practitioners professional credentials to charge an insurance company for ser-vices that were not rendered .5- Encouraging anyone to participate in fraudulent activity6- Intentionally burning a vehicle7- Falsely reporting a vehicle or its con-tents as damaged or stolen :8- Devising a way to avoid paying insur-ance premiums, includingReporting 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 prin-cipal driver but a parent or grandparent is reported as the principal driver on the policy .

Knowingly purchasing phony proof of insurance cards or pink slipsFailing to report significant changes to the condition, value or use of insured ve-hicles 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 per-sonal use .

Dont Be Scammed How IBC Supports Fraud Prevention IBCs 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 informa-tion 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

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By Adnan Bihnan FCIPInsurance Advisor with The co-operates Insurance Co.

I

If you have any question regarding this type of insurance cover or any other insurance needs, please call

Adnan Bihnan @ 905 874 1632 or e-mail adnan_bihnan@copperaters.ca

Insurance Crime: Recognize it. Report it

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EGNAHCXE NGIEROF

6 tinU .tS oiratnoruH 55337E4 A5L NO ,aguassissiM

5344.678.7469366.672.509 :ECIFFO

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