Here's how it actually works. They're not going to look further if they don't have...as a reasonable prudent person with reasonable grounds to believe that a possible fraud exists. So unless those grounds are there, they're not going to be contacting us or another insurer. We wouldn't get involved.
Last year alone we trained 1,300 people across the country, including police officers and insurance companies. We teach them PIPEDA. We teach them that you need reasonable grounds to believe that as a prudent person you have concerns that you need to investigate further. If they find that, then they go to their supervisor in most cases and they get a confirmation to share that information or obtain further information.
If they don't see those grounds, they're not going further. They won't come to us. They won't contact the other insurer. What they will do as a matter of practice is that based on the accident that's called in, they'll ask us to look at our database just to see if there were any previous accidents. They can get that information as well from AutoPlus and Carfax.