Adam has been driving for a long time, and his insurance company has never asked to visit his house to check that the car he says he owns is in the driveway. Nor has it asked to see his hydro bill to prove he lives at the address he is listed on the policy.

But it can. And it did, to Jacinta Kanakaratnam, 31, whose insurance with Allstate Canada was up for renewal. Her story is an interesting look at how insurers try to fight fraud, but sometimes catch a good customer in the net. The consequence in this case is that Allstate may still have the bad ones, but it has also lost a good one.

By Adam Mayers
Read the full article at The Toronto Star.