car loan

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recently, insurers were mostly troubled by professional fraudsters. However, an increasing proportion of the damage falls on borrowers who, due to insurance, want to solve their problems.
Most often cheat on car loans. Usually a car loan is taken for 3-5 years. During this period, the borrower’s status may change, and, due to the crisis, rather for the worse. Loan payments can make up a growing percentage of income; delays and penalties for them appear. It’s difficult to get rid of the “iron horse” voluntarily, as there is a third party in the transaction - the bank.

Therefore, the price of a car with such an encumbrance is likely to be lower than the market. And the unlucky car owner may try to solve part of their problems at the expense of insurance.

Banks themselves rarely help insurers, unless they are in the same financial group. "Usually, banks only interact with insurers' security services in situations where there was a high probability of involving a bank employee in such fraud," said Sergey Brovko, marketing manager of the RESO-Garantia branch. As an example, he cites a situation where the borrower had a low salary, and the amount of the loan issued is very high.

The company RESO-Garantia noted an increase in such frauds.

Credit fraud is conditionally divided into two types: those that cause real damage to the car and imitation of this damage. In the latter case, the car borrower is trying to get money for the next installment with the help of the insurer. Perhaps most often practiced independent removal of the wheels, followed by a statement to the police. An exacerbation of this type of fraud occurs during the period of seasonal retraining. They can also “steal” mirrors or glass. It is not surprising that some insurers prescribe such risks separately, increasing the premium on them. A more complex and rarer form of scam is the parsing of a machine. Spare parts are removed from it: seats, airbags, torpedo and other details. In the future, the insurer is shown a semi-disassembled car, he is forced to admit car repair is impractical. Fraudsters take their payoff and “balances”, on which they again put the removed details. Finally, there may be a pseudo-theft followed by parsing for parts. This fraud is complicated by the need for an accomplice.

Cases are often associated with real, not imaginary damage to cars. For example, arson, which is difficult to prove. One insurance company said that they were approached by a Mercedes 500 driver who claimed that his car was set on fire. The arson really was, he was shot by an outdoor surveillance camera. But insurers were warned by the nuances: a person had not paid the loan for 4 months, and the insurance contract ended the day after the statement about the insurance event.
False accident occurs when the car received real damage, and the case cannot be recognized as insurance. “It’s difficult to deceive GIDDD in such a situation, because they have a sharp look at the characteristic damage in road accidents,” said Alexander Kulikov, director of the Spassky Gates branch.

Although other insurers talk about such cases, they do not observe systemic problems. "Typically, lay people open up and get nothing in the end," said Alexander Potitov, deputy general director of KIT Finance Insurance. He notes that cases of mortgage fraud have become more frequent: arson of houses and illegal disability (in this case, the insurer pays from 30 to 100% of the cost of housing, depending on the disability group).

Insurance companies complain that they cannot conduct an independent detective investigation. "Everything that is written in foreign literature doesn’t work in Russia. - Alexander Kulikov believes. - Private detectives have the power to only spy on cheating." At the same time, experts say that if the security service has a lot of circumstantial evidence, the defendant is asked to pick up the statement, alluding to the possibility of a criminal case. "

Source: St. Petersburg Driver

 

[Матушкин Андрей Николаевич]

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