تعتبر عمليات الاحتيال في مجال التأمين من الجرائم الشائعة في هولندا، وخاصة في مدينة زووترمير. يواجه سكان زووترمير تحديات التعامل مع حالات الاحتيال في التأمين، مما يؤثر على أسعار التأمين وجودة الخدمات. في هذا المقال، سنناقش أنواع الاحتيال في التأمين وما يشمله هذا النوع من الجرائم.
Insurance Fraud: What Does it Entail?Insurance fraud is the intentional deception of an insurer to receive a payout to which one is not entitled. Annually, insurance fraud costs the Dutch society over 900 million euros.
Forms of Insurance Fraud
Insurance fraud takes various forms:
When taking out a policy:- Providing incorrect or incomplete information
- Concealing relevant facts (such as previous damages)
- Lying about one's profession or place of residence
- Exaggerating the extent of damage
- Claiming damage that did not occur
- Reporting old damage as new damage
- Falsifying invoices or altering receipts
- Intentionally causing accidents
- Collaboration with disreputable repair companies
- Organized theft claims
Detection of Fraud
Insurers use various methods:
- Data analysis and pattern recognition
- Expert investigation
- Cooperation with police and justice
- Information exchange via the CIS
Penalties and Consequences
In cases of insurance fraud, one risks:
- Rejection of the claim
- Recovery of paid-out amounts
- Termination of all insurance policies
- Registration in the EVR (up to 8 years)
- Criminal prosecution
- Civil liability for investigation costs