I'm glad you're on top of things.
The insurance industry estimates that 10 to 15 cents of every dollar paid in premiums goes to paying fraudulent claims–totaling more than $1.3 billion each year. This makes insurance fraud second only to the drug trade as a source of illegal profits in North America.
It’s easy to sit back and say “There’s nothing I can do to stop fraud,” but there is something you can do. Insurance fraud is often the result of fairly routine manipulations of the system – a tow truck driver who recommends a garage and gets a commission for doing so; a service provider who bumps up a charge because they know the insurer is paying; or a paralegal who asks for a percentage of an insurance award. These may seem harmless to you, but they are part of the web of fraud schemes that are costing you money. When you see fraudulent activity, challenge the service provider directly or report the behaviour to the police. Source: Insurance Brokers Association of Ontario