car insurance. Insurance Fraud Fraud Schemes

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Auto insurance. Insurance Fraud Fraud Schemes.

Insurance Fraud: The Most Popular Auto Insurance Fraud Types
Insurance Fraud, Fraud Schemes June 18, 2010
Today, the most widespread type of insurance in Russia (and many CIS countries) is car insurance. And more often than not, it is precisely at these insurance poles that they turn to insurance companies. If tsunamis, torns, earthquakes and other cataclysms are very rare, then cars knock all the time. And many owners of iron horses, after the accident, are thinking about how to tear off the insurance company more.
Swollen damage.
The most common occurrence in car insurance is registration of damage. According to statistics, damage is increased in every fifth case. Everything is extremely simple, for example, a person had a wing scratched before an accident, a frontal cracked, or something like that, after an accident, the owner of the car dumps all these damages into an accident.
By the way, court proceedings cost at least $ 300, and most often it is simply not profitable for start-up companies to appeal a case in court (which, by the way, can be done only after payment).
Quite often there are cases when insurers refuse to pay for some fantastic damages and usually, the injured party often does not even argue.
Insurance in different places.
Very nimble car owners insure their vehicles not in one insurance company, but in several. After the accident, scammers try to get payments at several insurance companies. In this case, most often an accident is staged.
Intentional damage to vehicles.
Sometimes there are times when car owners want to replace some part of the car, and repairs are eager to shift to an insurance company. Such scammers themselves cripple their vehicles and claim that these are the consequences of an accident.
Theft of own transport.
This scheme usually works abroad. They buy a car from a foreigner for half the price and agree that he will report the theft after some time (a month, two, or for example after a call). The car is transported to another country (usually in the CIS countries), dampened and sold. And only after that the owner claims the hijacking and receives money from the insurance company.
Double payout.
The victim receives money from the culprit of the accident, and then he takes a certificate from the traffic police that he suffered from an “unknown person” and receives money from an insurance company.
An accident in a drunken state.
This is a very popular phenomenon in our country, and as very often happens, there is a way out. A drunk driver gives a traffic cop “on the paw” and he writes that another driver was driving (for example, a wife who, under the terms of insurance, has the right to drive this vehicle). Or if an accident occurs in a deserted place, then again, having given a traffic cop on his paw, it can be issued in a couple of days, when the culprit "overslept."
Change of driver.
This is the case where you give a friend a ride and he gets into an accident. This is not an insured event, since a person who is not indicated in the insurance pole is driving. In this case, everything is also simple, we give it to the traffic cop on his paw (if he has already arrived) and change the driver to the one who has the right to drive this vehicle.
Fictitious accident.
If you have a friend in the insurance company, then you can make a good weld. For a penny we buy a car “killed” in an accident, then a friend insures this car, and only then we declare it to the fucking company about the accident.
These are the most popular auto insurance fraud schemes. If you know other ways to inflate an auto insurer, write a comment.
I would also like to add that in all these schemes there is a crime, and if you are caught, then most likely they will be sentenced under article 159 of the Criminal Code of the Russian Federation “Fraud”.

 

[Матушкин Андрей Николаевич]

Thank!

 

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Auto insurance
Four people were charged with insurance fraud by a Moscow district court. Two of them turned out to be employees of the traffic police, and one more - a former agent of Rosgosstrakh in the metropolitan area. This former agent entered into an insurance contract for a Mitsubisi SUV already in an accident. Such fraud allowed the owner of the SUV to receive payment from an insurance company as a result of a rigged accident. These actions were declared illegal.

With insurance objects such as vehicles, fraudulent activity is especially common. There are many ways: the use of stolen blanks of policies, a staging of accidents, a “setup”, double compensation, falsification of the results of the examination and others.

Compulsory liability insurance of motor vehicle owners that appeared a year and a half ago (colloquially - “auto citizen” or compulsory motor liability insurance) today is causing trouble not only for motorists, but also for insurance companies themselves. In Moscow alone, according to statistics, from 1,100 to 1,700 car accidents occur every day. Of these, almost every second accident is recognized as an insured event and documents are sent for payment. At the same time, in 2004, 800 criminal cases related to auto insurance were filed throughout Russia under the article “fraud”.

There are many reasons for people to engage in fraud: simplicity of deception, traffic police corruption, negative attitude towards insurers, lack of understanding of the importance of security problems by insurers. But regardless of the reasons, cases, people are increasingly intentionally seeking and finding ways to receive compensation from the insurer, which are not legally required by them.

Conventionally, methods of fraud can be divided into three groups: fraud at the stage of sales of policies, fraud at the stage of settlement of losses, when a client can “embellish” events, as well as fairly competent actions of professional fraudsters from compulsory motor liability insurance.

Presentation of a damaged or lost document
In 2005, a case against the agent of RESO-Garantia was considered in the Voronezh court. He gave drivers invalid policies. They managed to reach the fraudster after one of the motorists who insured through this company had an accident. It turned out that the policy issued to the victim was written off as spoiled.

Fraud lies in the fact that unscrupulous insurance agents distribute (rubles for 500) the original form of the policy, which are listed in the insurance company as damaged or lost. Today the number of such “damaged and lost” forms is growing, and their volume is estimated at about 7% of the total number of policies sold.

Legal Advice
If it turns out that the policy is listed as damaged or lost, criminal proceedings will be instituted against unscrupulous insurance agents. The minimum penalty in this case is a fine.

"Multiple Insurance"
Some drivers generally made fictitious accidents their permanent earnings. One entrepreneurial driver was insured in 11 companies, adjusted the accident and managed to receive monetary compensation in five organizations at once.

Car insurance with damage
Another option: a person insures a car with a policy that already has, for example, a serious scratch. At the same time, he either hides the defect from the insurance agent, or negotiates with him. This method is the second most popular amateur fraud, and according to experts, up to 80% of all insurers to some extent sin it.

Not so long ago, the prosecutor's office of the Volgograd region exposed a group of scammers. It included former and current employees of insurance companies, as well as traffic police. The scheme for obtaining money in insurance companies was extremely simple. Fraudsters bought a domestic car with very serious damage as a result of a major accident. The car was restored, registered and insured. After completing all the documents, the scammer, with the help of the traffic police officer, issued a certificate of accident and received insurance payments within 15 days.

Hiding a drunk driver
According to the law, if during an accident the driver was intoxicated, the case is not recognized as insurance and compensation is not paid by the insurance company. And in order to quickly “sober up” right after the accident and before registration, you can resort to the following methods:

* pay the traffic police officer;
* call his wife, if she is included in the insurance policy, and declare that it was she who drove the car.

Double payout
Most often, unscrupulous policyholders by hook or by crook try to inflate the cost of the damage. Double-pay schemes are also common. In this case, the injured policyholder receives compensation for the damage caused from the culprit of the accident. But at the same time, he takes a certificate from the traffic police that he had suffered from the "unknown" and goes for insurance payment.

Legal Advice
These actions are interpreted as “fraud”. They are punished by a fine or a judicial opinion.

Poles - one-day. Many unknowingly perceive OSAGO as an unjust tax, especially when reselling a car. And in the outback they even prefer to ride without policies. And almost every car owner tries to spend a minimum of funds on registration, and also return some of the money “lost” in insurance. We are talking about the use of “one-day” policies (which are used only for passing the registration of a car in the traffic police).

But the owner of the vehicle may be asked to enter the information of a fraud lawyer as an insurer and put his signature. After completing registration, the policy is handed over to the scammers, and they go to court with him and get a decision on returning the insurance premium to the insured from the UK. The benefit of the insured is the minimum payment for the insurance policy.

Triggered Accidents - Frames
This method of fraud is becoming increasingly popular. Suppose your car was damaged in an accident, but the case does not apply to insurance. Then you can adjust another accident, fictitious, but with a blow to the same place and already within the framework of the insured event. Finding a second party to the accident is not a problem. So, one motorist in 2004 became a real champion in the number of accidents. There were 43 of them in his account.

Earlier, individual motorists were the organizers of insurance fraud, but today whole brigades are hunting in this area. For example, if the owner of the car, returning from the party, did not manage to amiably part with the tree, for a certain fee there will be some citizen who will not mind “helping” in trouble and provide his vehicle for the accident in accordance with the OSAGO law ( this happens, of course, through conspiracy with the traffic police).

For a fraudster on the road, it’s a big success if you managed to get hit by another car so that it turns out to be guilty (in this case you will not have to share it with anyone). The main thing in this case is that the second participant in the accident pleads guilty, which can be done with a certain psychological pressure. The victim driver represents the upcoming showdowns and understands that they will have to pay anyway, and, probably, the scammers really have good lawyers and their own people in the traffic police.

Another option is a conspiracy between road accident participants and traffic police. For example, the car suffered significant material damage, although the circumstances of the accident should exclude it.

In this case, the insurer can also complain that the wheels were removed from the car, the headlight was broken, and the radio was removed. Or exchange old parts with new ones, stating that they were stolen or damaged.

"Self-theft"
The largest losses to insurance companies are caused by “theft” and fictitious accident. Detectives explain this by the fact that it is almost impossible to find a car that is listed in theft, and it is most likely that it was immediately taken apart for sale and sold. If desired, the car can easily be turned into a pile of scrap metal or modified beyond recognition, it can be kept in a small room for any length of time. All this plays into the hands of dishonest car owners.

Legal Advice
Any large insurance company has a whole fraud department. This is the so-called management or insurance accident investigation service. The department consists of several experts, all of them former law enforcement officers.

As a rule, emergency commissioners of the insurance company travel to the scene, interview witnesses, participants in road accidents, inspect vehicles, interact with the traffic police, and monitor the correctness of the accident scheme and other documents required by law. If there are no witnesses or a second participant, the insurer has every reason to start its own investigation. In accordance with Art. 25 of the Law "On Insurance", if necessary, the insurer can make inquiries to law enforcement agencies, banks, medical institutions, as well as independently determine the causes and circumstances of the insured event.
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