Hundreds of health-care providers in Ontario are billing insurance companies for an improbable number of daily hours spent treating car crash victims, recent insider data suggest. However, no one appears to be leading a charge against the potentially fraudulent overbilling worth millions of dollars a year, leaving it to drivers to pick up the tab in the form of higher insurance premiums. “Right now, it’s a shared problem between the industry, individual insurers, the colleges that oversee these different types of practitioners…and then the government,” said Ben Kosic, CEO of the Canatics insurance consortium.