Well, I think the example I gave is.... The insurance industry is quite well trained in terms of first contact and the type of information they need to receive. They're just going to start acquiring what I gave you in terms of certain information: the time of the accident, where it took place, how many occupants, the nature of the damage, how soon was the tow truck driver there, did somebody recommend the body shop, how much damage was there to your vehicle, where were you going at the time, where were you coming from, how do you know these individuals, things like that.
They're going to start developing certain red flags. Based on those red flags, it doesn't mean that there's fraud; it means that it requires further investigation. This is the point that a prudent individual, having reasonable grounds, such as what I suggested, should be contacting the other insurer and saying, “What's happening here?”
In terms of another problem that exists, in 2014 IBC investigated on an ongoing basis 52 rings. A ring investigation usually involves at least 20 to 50 suspected staged collisions that we have to investigate. On top of that, we took 14 new ones. Even though the insurer reports it to us, we can't take these claims right away. They're going to sit until we can get to them, and unfortunately these payments are continuing all the way through. By the insurer being able to contact the other party, they would be able to stop the payment at this point in time.