Insurers in Zoetermeer and surrounding areas are heavily investing in combating fraud in personal injury claims. This affects all claimants, including those acting honestly. Discover your rights and how fraud investigations work.
What does personal injury fraud entail?
Personal injury fraud takes several forms.
Types of fraud
| Type | Example | Seriousness |
|---|---|---|
| Fully fabricated claims | Claiming a fake accident | Very serious |
| Exaggeration of damage | Presenting complaints as more severe | Moderate to severe |
| Incorrect information | Concealing prior conditions | Moderate |
| Submitting multiple claims | Double-declaring the same damage | Serious |
| Fake documents | Manipulated medical reports | Extremely serious |
Investigation into fraud
If an insurer suspects fraud, an investigation may be initiated.
Investigation methods
Analysis of file
Studying submitted documents, comparing with previous claims, and checking for consistency in statements.
Social media check
Investigating public profiles on platforms such as Facebook and Instagram for contradictions with claimed limitations.
Private investigation
Observations by a detective agency, only permitted in cases of clear fraud indicators.
Medical examination
Additional medical examination to verify the complaints.
Your rights during an investigation
Even during fraud investigations in Zoetermeer, your rights are safeguarded.
Essential rights
- Right to information about the investigation upon completion
- Proportionality: the investigation must be appropriate to the suspicion
- Privacy: there are limits to what may be investigated
- Right to respond: opportunity to react to conclusions
Consequences of fraud
Fraud in personal injury claims can have severe consequences.
Possible sanctions
| Consequence | Explanation |
|---|---|
| Reject claim | The entire claim is denied |
| Repayment | Paid amounts must be refunded |
| Fraud registration | Entry in a fraud database |
| Termination of insurance | All insurances may be terminated |
| Criminal proceedings | In cases of serious fraud |
| Investigation costs | Costs of the investigation are recovered |
Fraud registration systems
Insurers in Zoetermeer use central databases to register fraudsters.
Types of registers
- Incidents register: internal storage at the insurer
- EVR: External Referral Register (shared with other insurers)
- FISH: Fraud Information System Holland
Impact of registration
- Taking out new insurances becomes difficult
- Registration can last up to 8 years
- Right to access and object to registration
Unjust fraud accusation
Sometimes fraud is wrongly suspected in Zoetermeer.
What can you do?
- Contact a personal injury lawyer immediately
- Cooperate with the investigation to avoid suspicion
- Provide evidence to support your case
- File a complaint in case of unjust suspicion
- Claim damages for unlawful accusations
Prevent misunderstandings about fraud
Much alleged fraud in Zoetermeer arises from miscommunication or lack of clarity.
Practical advice
- Be honest about your complaints and limitations
- Report positive developments as well
- Do not conceal prior medical history
- Provide requested information quickly and completely
- Have a representative handle your communication
Frequently asked questions about personal injury fraud in Zoetermeer
How do I find out if my insurer suspects me of fraud?
Insurers must inform you about a fraud investigation upon completion. You will receive a written notification with the results. During the process, you may notice delays, receive additional questions, or a request for medical examination.
May my insurer check my social media?
Yes, insurers may view public social media during a fraud investigation, provided there are concrete indications and the investigation is proportionate to the suspicion.
Contact?
For legal assistance in Zoetermeer, you can go to the Juridisch Loket Zoetermeer or submit cases to the District Court of The Hague.