Keep a record
FSRA recommends retaining dates, correspondence, estimates, invoices and claim forms when fraud is suspected.
Verify who you are dealing with
Check licensing and official contact information for insurers, agents and brokers.
Do not sign blank or misleading forms
Read what is being authorized.
Report through official channels
Insurer, police, FSRA and recognized anti-fraud channels may all have roles depending on the situation.
Ontario-specific educational summary. Your actual rights and coverage come from the Insurance Act, regulations, the current Ontario Automobile Policy (OAP 1), your certificate, endorsements and the facts of the claim. Do not change coverage based only on a general web article.