Fraud Register Personal Injury Zoetermeer: What You Need to

What is the fraud register for personal injury in Zoetermeer?

The **fraud register for personal injury** is a national register in which insurers and authorities register suspects of fraud in personal injury claims. This register is an initiative of the **Central Fraud Unit for Personal Injury (CFEL)** and helps to prevent and combat fraud in regions such as Zoetermeer. If your name is in this register, this may have consequences for your claim or insurance with local providers. The register safeguards the integrity of the personal injury system.

Legal basis and purpose in Zoetermeer

The fraud register for personal injury is not directly laid down in law, but is based on agreements between insurers, the Dutch Association of Insurers (NVV) and the Central Fraud Unit for Personal Injury (CFEL). The CFEL works together with the Ministry of Justice and Security and the Authority for the Financial Markets (AFM) to detect fraud, also in Zoetermeer.

The most important legislation that applies can be found in:

Personal Injury Compensation Act (Wsl): Regulates the compensation of personal injury and the obligations of victims and insurers in the Hague region.
Financial Supervision Act (Wft): Contains rules on integrity and fraud prevention within the financial sector, including insurance.
General Insurance Terms and Conditions (AVB): Determine the procedure in case of fraud suspicion.

Insurers in Zoetermeer are obliged to report suspicious cases to the CFEL, which may enter them into the fraud register. For local disputes, you can go to the District Court of The Hague (district).

How does the fraud register for personal injury work?

The fraud register is an **internal database** used by insurers to assess whether a claim or insured person is suspected of fraud. The register is not publicly accessible, but insurers in Zoetermeer can use it for new claims.

Steps in the fraud register process

Detection: An insurer or authority detects a suspicious claim or person and reports it to the CFEL.
Investigation: The CFEL investigates whether there is fraud through documents, witness statements or other evidence.
Registration: If there are sufficient indications, the person or case is entered into the fraud register.
Use by insurers: For a new claim in Zoetermeer, the insurer can request your name and decide on the handling.

Practical examples from the region

Example 1: Forged medical documents

Situation: Jan from Zoetermeer reports personal injury after a traffic accident on the N44. He claims back pain, but the insurer discovers forged medical reports from a non-existent doctor. Consequence: Reported to CFEL, registration follows. Subsequent claims with local insurers are rejected.

Example 2: Multiple claims for the same damage

Situation: Maria from Zoetermeer claims personal injury with two insurers for one accident in the city centre, without notification. Consequence: Insurers share information via CFEL, registration follows. Future claims in the region are complicated.

Rights and obligations regarding the fraud register in Zoetermeer

Your rights

Right to information: Request information from your insurer or CFEL. Contact Juridisch Loket Zoetermeer for assistance.
Right to defend: Explain in case of wrongful listing for possible removal.
Right to legal advice: Engage a lawyer via the District Court of The Hague or Juridisch Loket Zoetermeer.

Your obligations

Honesty: Provide truthful information to insurers to prevent fraud suspicion.
Cooperation: Cooperate with investigations by the CFEL or local authorities.
Reporting duplicate claims: Always report all claims to avoid problems in Zoetermeer.

For free advice on personal injury and fraud in Zoetermeer: visit the Juridisch Loket Zoetermeer or the District Court of The Hague.