Insurance fraud has increased during the pandemic-related restrictive period. This was stated by “RG” by the managing partner of the law firm Pavel Kurlat. The reason is that real communication has changed to electronic contacts, when it is much easier to deceive the other party. Many citizens could not resist the temptation with the help of digital technologies to pass off the desired state of emergency as real and get money. The expert named OSAGO and Casco the leaders in the number of frauds.
“Restrictive measures most of all affected insurance in those regions where strict quarantine was introduced,” Pavel Kurlat said. “Simple examples are injury and insurance payments related to this injury, or insurance compensation in connection with a fire in the insured’s home.
When the client approached, the insurer’s representative could not go to the scene of the accident, receive the relevant documents or interact with the relevant institutions: they either did not respond to inquiries or simply did not work. The clients themselves claimed that they could not receive a number of documents due to the same restrictions on the work of organizations. The interaction between the client and the insurer was reduced to the sending of digitized documents, scans, copies. It is almost impossible to ensure proper verification of their authenticity and, of course, this has become a good “help” for scammers. “
At the same time, it is not yet necessary to talk about fundamentally new fraudulent schemes in personal insurance, they are well known in life and health insurance of citizens.
“For example, there were situations when the death of the insured was declared. Subsequently it turned out that the insured was alive, and the body of another person was presented as the deceased,” continues Pavel Kurlat. “In addition to fraud, there are frequent cases of dishonesty on the part of clients, for example, cases when persons who receive a loan, while insuring their life and health, hide the fact of illness, which entails the assignment of disability. “
According to him, the unambiguous leader in the number of cases of insurance fraud, as before, remains car insurance – OSAGO and Casco.
“About 90 percent of fraud cases are detected in this segment,” the expert says. “Fraudsters often use staged traffic accidents, fake thefts, overstate the cost of refurbishment. after the conclusion of the insurance contract. The criminal penalty for participation in such a scheme is imprisonment for up to 3 years. “
Attempts are also recorded to include in the damage caused by an accident the damage received by the car earlier. The activity of fraudsters in the sale of policies has also increased. The practice of claiming losses through applications is gaining momentum, and here insurers again face the problem of forged documents.
“If we talk about insurance in the business segment, fraud quite often occurs in the insurance of goods, real estate, as well as goods in circulation in the warehouse, – says Pavel Kurlat. – In this segment of the insurance market, there are both certain types of abuse and organized work of criminal groups that are systematically engaged in illegal extraction of income when insuring such objects.
There are often cases of arson or staged theft: they allow you to get a refund for a larger amount of goods than it actually was. There are also “combined” cases. An example from practice: an insurance company was informed about a product burnt in the back of a Gazelle worth about 40 million rubles. The insurer carried out a thorough inspection and determined the amount of fire residues. This made it possible to determine the amount of cargo that was in the car at the time the fire started – it turned out that it was 8 times less than the declared one.
Alisa Borisova, a member of the Russian Bar Association, agrees that the number of electronic frauds has increased recently.
“During the period of the restrictions imposed by the pandemic, the number of fraudulent activities in the digital and financial and technological spheres increased,” she says. “Unlicensed financial and credit organizations, as well as companies posing as banks in the person of their employees, have appeared on the Internet. are engaged in the theft of funds from bank cards of citizens. “
According to her, specific types of fraudulent activities have also appeared. For example, investor companies received offers to invest in companies producing sanitary and hygienic products, in particular masks and other personal protective equipment, and after receiving funds from investors, the fraudulent companies disappeared.
In general, experts advise: we must not forget about the elementary rules of caution in the electronic sphere. Of course, the advice is banal. But, as practice shows, many people believe too much in the power of numbers and forget about the platitudes: that is, about caution.
Source: Российская Газета by rg.ru.
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