--- title: Don't Fall For Insurance Scams - Tips to Spot Fraud and Identify Common Scams description: Insurance scams are becoming more common across Canada. From fake policies to bogus fees, scammers are fishing for credit card numbers and sensitive info. To help keep you safe, here is a quick breakdown of what to watch for and how to stay safe. image: https://blog.steersatlantic.ca/hubfs/shutterstock_2510949479.jpg --- [**](https://www.facebook.com/steersatlantic/) [**](https://twitter.com/steersatlantic) [**](https://www.linkedin.com/company/steersinsuranceatlantic/) [**](https://www.instagram.com/steersinsuranceatlantic/) [Home](https://www.steersatlantic.ca/?hsLang=en-ca) [Contact Us](https://www.steersatlantic.ca/contact-otc-insurance-brokers?hsLang=en-ca) 888-295-7474 [![steers-logo-1](https://blog.steersatlantic.ca/hs-fs/hubfs/steers-logo-1.png?width=813&height=321&name=steers-logo-1.png)](https://steersatlantic.ca/) [![GET A QUOTE](https://no-cache.hubspot.com/cta/default/6109970/83e767f7-64ca-4507-b512-9802bad0d339.png)](https://cta-redirect.hubspot.com/cta/redirect/6109970/83e767f7-64ca-4507-b512-9802bad0d339) ![business-meeting](https://blog.steersatlantic.ca/hubfs/OTC_Insurance_February2020%20Theme/Images/business-meeting-1446005-sm-2-1.jpg); ![Contractors Pollution](https://blog.steersatlantic.ca/hubfs/OTC_Insurance_February2020%20Theme/Images/Contractors%20Pollution-2058-72dpi-1-1.png); ![Marine Cargo](https://blog.steersatlantic.ca/hubfs/OTC_Insurance_February2020%20Theme/Images/Marine%20Cargo%2024843636_s-3-1.jpg); ![crime insurance](https://blog.steersatlantic.ca/hubfs/OTC_Insurance_February2020%20Theme/Images/crime%20insurance%2080155537-72dpi-1-1.png); ![business-meeting](https://blog.steersatlantic.ca/hubfs/OTC_Insurance_February2020%20Theme/Images/Condo%20living-room-2155353-72dpi-1-1.jpg); ![Contractors Pollution](https://blog.steersatlantic.ca/hubfs/OTC_Insurance_February2020%20Theme/Images/Auto%20Ins%20Brunette-Teen-in-Red-Car-1.jpg); ![Marine Cargo](https://blog.steersatlantic.ca/hubfs/OTC_Insurance_February2020%20Theme/Images/atvs-2751246-72dpi-1-1.jpg); # Steers Insurance Blog # Don't Fall For Insurance Scams - Tips to Spot Fraud and Identify Common Scams Posted by [Steers Blogging Team](https://blog.steersatlantic.ca/blog/author/otc-blogging-team) on Mar 31, 2026 9:51:06 AM - [Tweet](https://twitter.com/share) ![shutterstock_2510949479](https://blog.steersatlantic.ca/hs-fs/hubfs/shutterstock_2510949479.jpg?width=736&height=368&name=shutterstock_2510949479.jpg) Insurance scams are becoming more common across Canada. From fake policies to bogus fees, scammers are fishing for credit card numbers and sensitive info. To help keep you safe, here is a quick breakdown of what to watch for and how to stay safe. - **Fake Insurance Agents: **People posing as brokers who don't actually have the credentials or licenses to sell insurance. - **Phishing Emails/Texts: **Messages that look exactly like they’re from a legitimate company but are designed to steal your data. - **"Too Good to be True" Offers: **Any pitch offering "free" coverage or massive, unexpected refunds. **Red Flags to Watch For** - **Unsolicited Contact: **Random calls or messages offering insurance services. - **High-Pressure Tactics: **Being told you have to act immediately to get a "limited time" deal. - **Below-Market Rates:** Prices that are significantly lower than what any legitimate company would offer. - **Sketchy Payments: **Requests for payment via gift cards or direct wire transfers. **5 Types of Insurance Fraud** 1. **Inflated Tow, Store & Dent:** Dishonest shops overbilling for services, driving up premiums. 2. **The Blank Form: **Medical clinics asking claimants to sign a blank form, then billing the insurer for services that were never provided. 3. **Staged Collisions: **Drivers intentionally causing accidents to make it look like an innocent person is at fault. 4. **Policy Misrepresentation:** Providing false info, like a fake address or vehicle details, to get a lower rate. 5. **Hot Cars:** Selling stolen or unsafe vehicles that have been given a fake VIN. **How to Protect Yourself** - **Verify Everything:** Check insurance companies or brokers through official provincial regulators. - **Don’t Click Links:** Avoid clicking links in unexpected emails or texts. - **Confirm Directly: **Call the insurer directly to confirm coverage before paying. - **Never Sign Blank Forms:** It’s a huge risk. Only sign completed insurance claim documents. - **Check the Details: **Ensure you know exactly what is included in a final settlement. - **Watch the Data:** Be very cautious when sharing information with third parties. **Report it!** If you suspect a scam, stop communicating with the person or company immediately. Report the incident to the [Canadian Anti-Fraud Centre](https://reportcyberandfraud.canada.ca/?gad_source=1&gad_campaignid=23543498779&gbraid=0AAAAAqVYRbQLVjvPM37eDBoJE_cG4JYEx&gclid=CjwKCAjwvqjOBhAGEiwAngeQnU5O-ziKsaVwoefhfWiSTF5okhKm3zXTr34U80hYyEB0Z7NOtMgj8hoCxQkQAvD_BwE) or local authorities. **Steers Insurance Has Your Back** Staying informed is the best way to keep things running smoothly. As your trusted local broker, Steers Insurance is here to help keep you safe. Give us a call at 1-888-295-7474 or email us at [hello@steersinsurance.com](mailto:hello@steersinsurance.com) if you have questions. ### Does Your Policy Fit you? ![Small Office 104662907](https://blog.steersatlantic.ca/hs-fs/hubfs/Small%20Office%20104662907.png?width=221&name=Small%20Office%20104662907.png) Your business has grown and evolved; perhaps your insurance should too.  Put us to work with our free no obligation assessment.   [![Free Commercial Insurance Assessment](https://no-cache.hubspot.com/cta/default/6109970/8c5d4c50-98f0-4e77-a002-e27b394ca3d3.png)](https://cta-redirect.hubspot.com/cta/redirect/6109970/8c5d4c50-98f0-4e77-a002-e27b394ca3d3) ### Subscribe Here! ### Recent Posts ### Posts by Tag - [Home Insurance (60)](https://blog.steersatlantic.ca/blog/tag/home-insurance) - [Commercial Insurance (55)](https://blog.steersatlantic.ca/blog/tag/commercial-insurance) - [Auto Insurance (15)](https://blog.steersatlantic.ca/blog/tag/auto-insurance) - [Cyber Insurance (15)](https://blog.steersatlantic.ca/blog/tag/cyber-insurance) - [Commercial Property Insurance (12)](https://blog.steersatlantic.ca/blog/tag/commercial-property-insurance) - [Home Base Business (8)](https://blog.steersatlantic.ca/blog/tag/home-base-business) - [About OTC Insurance (7)](https://blog.steersatlantic.ca/blog/tag/about-otc-insurance) - [Environmental Insurance (7)](https://blog.steersatlantic.ca/blog/tag/environmental-insurance) - [Property damage (7)](https://blog.steersatlantic.ca/blog/tag/property-damage) - [Overland Flood Insurance (4)](https://blog.steersatlantic.ca/blog/tag/overland-flood-insurance) - [Continuity Insurance (3)](https://blog.steersatlantic.ca/blog/tag/continuity-insurance) - [Preventative Maintenance (3)](https://blog.steersatlantic.ca/blog/tag/preventative-maintenance) - [Women in Business (3)](https://blog.steersatlantic.ca/blog/tag/women-in-business) - [Inflation (2)](https://blog.steersatlantic.ca/blog/tag/inflation) - [Personal Insurance (2)](https://blog.steersatlantic.ca/blog/tag/personal-insurance) - [Boat Insurance (1)](https://blog.steersatlantic.ca/blog/tag/boat-insurance) - [Health and Safety (1)](https://blog.steersatlantic.ca/blog/tag/health-and-safety) - [Home Inventory Checklist (1)](https://blog.steersatlantic.ca/blog/tag/home-inventory-checklist) - [Travel Insurance (1)](https://blog.steersatlantic.ca/blog/tag/travel-insurance) [See all](https://blog.steersatlantic.ca/blog/dont-fall-for-insurance-scams-tips-to-spot-fraud-and-identify-common-scams#) [![steers_reverse](https://blog.steersatlantic.ca/hs-fs/hubfs/steers_reverse.png?width=499&height=257&name=steers_reverse.png)](https://steersatlantic.ca/)   130 Eileen Stubbs Avenue Unit 7 Dartmouth, NS  B3B 2C4 **Tel:** (902) 481-0700 **Toll-Free:** (888) 295-7474 **Fax:** (902) 481-1812 [hello@steersinsurance.com](mailto:hello@steersinsurance.com) © 2023 Steers Atlantic Inc.