"I can find no innocent explanation for making deceptive police notes; recording a very short gap between accident time and report time and failing to enter tickets into the court system," Sproat said. "They are, however, logically explained if Const. Watson is party to the fraud."

Most of the Crown's witnesses who were listed as drivers and passengers in the collisions in question, were "unsavoury witnesses" having agreed to participate in an insurance fraud, the judge said.

Court heard the Insurance Bureau of Canada was also involved in the probe into the nine motor vehicle collisions that occurred in 2010.

Court heard insurers paid out more than $915,000 in claims related to the fake car crashes and incurred and additional $271,931 in expenses for items such as independent medical exams, collision reconstruction costs and legal expenses.

Michael Lake, an investigator with the Insurance Bureau whose focus is on "organized crime rings involved in insurance fraud," said several people claiming to be involved in each of the crashes, many of which occurred in Brampton, pursued claims for accident benefits, including property damage claims, vehicle loss, physiotherapy and child care claims.

The fraud involved the staging of motor vehicle collisions followed by insurance claims for damaged vehicles and injuries sustained during the impact.

Several different insurance companies were defrauded, police said.

Crown prosecutor John Scott said the fraudulent claims total just under $1 million and Watson provided what's known as "Motor Vehicle Accident reports" detailing information about the crashes and facilitated the reporting of the accidents as legitimate collisions.

Insurance claims were made for vehicle damage and injuries to the drivers and passengers, court heard, with insurers paying out settlements after the accidents.

One of the people involved in an accident back in February 2010, was Kevin Clarke, of Brampton.

The married father of two was alone in his car when he skidded and broke the front axle on his 1999 Pontiac Grand Am. But, when the tow truck company he contacted showed up, the driver told him that, in order for his insurance company to cover the crash damage, he would have to lie and say three other people, including his wife, were in the car at the time.

Even though Clarke never called police, the tow truck driver got him to sign a police-issued motor vehicle accident report listing Watson as the investigating officer, showing Clarke had sustained serious injuries in the crash. The document also showed the accident occurring at another location, Clarke said.

While Clarke admitted during cross examination by von Achten that he realized he was lying and possibly participating in something fraudulent, he said he simply wanted to get his car fixed. Insurance covered the repair of the car and Clarke's wife was also given $1300 in accident benefits.

Also arrested in connection with the offences is First Canadian Towing manager and tow truck driver Wayne Isaacs, 49, of Brampton. He was charged with defrauding the public and his case is before the courts.

Watson won $275,000 in the March 12, 2012 Daily Keno draw.

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