Insurance fraud. Experience of European insurers

According to world statistics, 14% of all reported events - those events
insurance fraud, and over 35% of customers with auto insurance policy
deliberately trying to cheat their insurance companies. In Bulgaria, this
percentage is much higher. Generali PPF Holding companies successfully compete with
deliberate organization of road traffic accidents, staged
collision and fictitious injuries. To date,
through international cooperation and sharing of experiences, identification of such
intentional cases have become easier and easier. Customers do not fully understand
that such fraud attempts are criminally responsible and
If disclosure of the case in many countries is threatened with imprisonment up to 15
years. Forecasted growth of fraud was confirmed in 2009 with the deterioration of
the global financial situation. Generali PPF Holding companies have learned
adequately confront the problem, which grows each year by
the entire region of Central and Eastern Europe. For example, the Czech Poishtovna
in the Czech Republic every year, reveals cases of insurance fraud totaling
More than 9 million euros. In 2008 this amount was 10, 2 million euros, 703 cases
disclosed, as well as 706 cases unmasked in 2009 at $ 8, 8 million euros.
Generali Slovensko Slovenia investigates every month an average of about 300
suspicious insurance claims, thereby preserving the 700 thousand euros, while in
September 2009 recorded a 13 percent increase in the number of insurance
frauds, compared with September 2008. Group Insurance Investigations
in Hungary in 2008, caught 200 cases of insurance fraud and refused to
customers in payment amounting to euro 300 thousand insurance claims. Most Popular
insurance for fraudulent transactions in accordance with World
statistics - it's auto insurance, where 35% of clients are engaged in fraud
with insurance payments. In Poland, for example, in 2007 62% of all registered
fraud on the market non-life falls on the contract CTP and Hull, and in 2008
year - up to 70%. As a general rule, fraud happen to all vehicles
marks, but the amount of indemnities for expensive cars is much higher, so
such cases stayut noticeable. Brands like BMW, VW, Audi stayut more objects
various insurance fraud, but also cheaper car does not remain
neglected. For example, in Bulgaria, a growing number of fraud related
with an average cost of cars (2 3tys. euro), but more "brave" instseniziruyut
stealing cars, which are exported abroad, or change the license plates.
The most common methods of fraud are in the staging
Accidents in the contract after the accident, or to provide
fictitious invoices for recovery work with high amount
compensation. Popular method of fraud, among other types of insurance
a fire, because the perpetrators are convinced that all the evidence
destroyed by fire, and they can get a significant amount of compensation. In
life insurance sector is most often used fake injuries
falsifying medical records, or take out insurance
life of a patient man, hiding all the true facts about the illness of the insured.
Generali PPF Holding companies in most countries of Central and Eastern
Europe formed their own divisions / departments to combat fraud.
Many companies have introduced a structural unit of many years ago,
Generali Providencia for example in 1992, the Czech Poishtovna in the second
half of 1990. However, there are companies that have recently formed the departments
to combat fraud. For example, Generali Garant in Ukraine
August 2009, based on established management compensation insurance department
investigations. Employees of this department, as a rule, have a great
experience in the bodies of the Ministry of Internal Affairs. They operate their own
channels and methods of gathering information, the formation of evidence
completely confidential. Department staff work closely with other
insurance companies, both Ukrainian and international, and also with
the internal affairs bodies, namely the traffic police departments, criminal
detection, investigation, etc. Clients are engaged in insurance fraud,
often do not realize that, above all, become participants in the criminal
crime. Below is a list, which provides prison terms
in different countries for the implementation of insurance fraud: Belarus - up to
Bulgaria 10 years - up to 8 years, Croatia - Czech Republic up to 3 years - up to 12 years, Hungary
- Up to 10 years, Poland - Romania 5 years - up to 12 years, Serbia - 10 years old Slovakia
- Up to 15 years, Ukraine - up to 12 clients who intend to carry out insurance
crime and benefit from it, consider it an innocent act.
There is no victims except the insurance company, which is not much "poorer".
But in reality such a view is misleading because much affected
more. All insurance companies in the world pay great attention to investigation
insurance crimes, and the reason is obvious: if you do not deal with this
kind of fraud, the amount of insurance payment, which makes the client
respectively will be much higher. Professionals involved in the calculations
insurance rates should be included in the calculation of insurance rate costs
with the possible attempts of fraud. Examples of insurance fraud in
Central and Eastern Europe: The incident occurred in the Czech Republic
in a remote area where the driver of Renault collided with a tree.
The car has received a lot of damage, but the driver managed without injury. Through
30 minutes auto client was quickly removed from the accident scene by a tow truck.
The next day the tow truck delivered the Renault at the scene and left
it from the same tree. Client made a telephone call to the insurance company.
Soon on the scene of an accident the police arrived and another tow truck. What really
actually happened and how it is explained? When there was a collision with a tree,
the driver was intoxicated, he knew that the payment of
insurance reimbursement will be denied. The next day, even in the sober
state, the client called the police, not his friend, who had
tow truck. But the client did not take note of the fact that there were witnesses who
observed this situation for two days and noticed the strange behavior of the driver.
In one of the smaller towns of Bulgaria person has sold a car, which
at first glance could not afford such a car. The man who
made a purchase a car, was seriously ill. Before his death warrant
on the auto was handed over to another person. Immediately after the death of this customer,
Attorneys person said that the car was stolen. The investigation of the
case, it was found that the car actually was imported from Germany,
but no documents, car registration or from the German manufacturer, or
the previous owner was not there. This case was investigated through in detail. After
of findings, the company had every right to refuse to pay the insurance
compensation. In life insurance there are also frauds. So, a woman
Hungary claimed the ownership of insurance payments in connection with the death of
her husband, who died in 2006 at sea in Greece during surfing.
Beneficiary, in case of death of the insured, according to insurance policy
life insurance is to get a general 376 thousand euros. from several
insurance companies. All of these companies refused to hire and insurance reimbursement
private detective for a detailed investigation. It turned out that the woman's husband,
who died in Greece, actually lives on a ranch in the Czech Republic
or in Slovakia. Based on this information, police arrested a man
and his associates, chasing them all over Hungary. The following example insurance
fraud, which was successfully debunked by the police, took place in Serbia.
The owner of an inexpensive car (the approximate cost of 500 euros registration
in Serbia) on one of the mountain road made a collision with a car expensive
brand cars Mercedes, registered abroad. Police arrived at the
scene of an accident and was content with double-digit minutes, and with several
fuzzy photos of most accidents and damage cars. Immediately after the incident
cars left Serbia with the aim of "rehabilitation work" abroad.
Later, Delta Generali Osiguranje received an invoice more than 20
thousand euros for repairs. In Romania, in 2009, an employee of state organization,
Car owner BMW, said in the UK about the damage cars $ 8 thousand euro.
According to the insured, the car collided with a Citroen BMW, thereby provoking
hit with a fence. Auto BMW received significant damage to the front
and rear. All repairs were carried out at Stations
service with which the UK had never worked. Once organized
Insurer investigation found that technical service station
belongs to the owner of the car BMW, and the driver of car Citroen - it
employee. In addition, the investigation revealed that the damage inflicted
by car for more than one year and rehabilitation works already carried out other
insurance company. Another interesting moments investigations have shown that
Citroen car was recently acquired by the owner and also filed an application in the UK
for damages.

source www.realt5000.com.ua

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