Speculators will hunt down...or how to DEAL with scammers??? - News about real estate, Kiev, Kyiv region. Real Estate In Ukraine
The insurers have decided to unite to fight scams. They are confident that the new Association will allow several times to reduce the payment received today, crooks, and discourage citizens ' desire to cash in, overstating the damages for insurance claims. However, statistics still...The insurers have decided to unite to fight scams. They are confident that the new Association will allow several times to reduce the payment received today, crooks, and discourage citizens ' desire to cash in, overstating the damages for insurance claims. However, statistics still indicates the opposite вЂ” crooks and further configured to inflate insurance companies. Only for the first half of the volume of payments made by the insurers fraudsters in the market average, has increased by 20% in comparison with JanuaryвЂ“June 2007Fraudulent OrgyAs it became known, at the end of June in Ukraine, the insurers decided to create a new Association вЂ” the Association of security services insurance companies, which is planning to enter eight of the largest IC: "Bill", "Providna", "Generali Garant", "INGO-Ukraine", "prosto-insurance" Allianz, "European insurance Alliance" and "AXA-Insurance." At the initial stage with the insurers will not be charged a membership fee, it is only collecting on operational expenses вЂ” about $500 from the company. "The organization aims to prevent cases of insurance fraud, the exchange of information on the facts of falsification of insurance events and the persons involved in these scams. In addition, the Association will be conducting joint investigations on suspicious events," вЂ” said in an interview with "DS" head of Department of economic safety of the company "Generali Garant" Pavel Pronin. The emergence of new patterns right now experts explain the spate of fraud in the insurance market. According to conservative estimates, up to 20% payout on retail insurance now accounts for rogues.Most speculators succeeded in hull. "We have repeatedly faced with episodes of fraud in motor insurance. The largest amount that we are trying to deceive, вЂ” 500 thousand UAH", вЂ” says the head of the security service of the company "Oranta" Dmitry Ponyplay. Experts identify several major fraud schemes in car insurance. The most widespread is the overestimation of the amount of harm in the accident. "Insurers are trying to inflate the damage by minor additional notes in the list received in the accident damage, which together are 10-20% higher than the amount of actual damages. Actively promote some workers HUNDRED and appraisers", вЂ” said the "DS" Director of Department of settlement of losses of the company "Universal" Alexander Kwiatkowski. In second place on the application of the scheme, which boils down to insurance retroactively damaged car. It usually involves dishonest workers of the UK, as for registration of the contract of insurance must show the car. To comply with all formalities, the customer, agreeing with the insurer, shows one vehicle, then the numbers from the insured car outweighs the identical, but the broken car. "In such schemes usually involved and representatives of the traffic police, and staff assistance," explained the head of Department of marketing of the company "Ukrainian insurance group" Yaroslav Kurylev. At the last place experts put the scheme according to which the same car insure in several companies, then dramatize accident. "Also very common pseudogod car: the owner sells his car, and then, imitating the theft, goes to the UK for compensation", вЂ” said General Director of the company "Bill" Basil Furman.Working with halfUnprecedented agility drivers show by cheating with policies of compulsory insurance of civil liability. According to the estimates of financial analysts, in the first half to 10% of all payments on this type accounted for fraudsters. In this case, the drivers feign an insurance event, after obtaining the support of unscrupulous cops. A real hit in recent years has been the abuse even not obligatory and voluntary insurance of motor insurance. Under the circumstances considerably increases the price of the issue: if the maximum amounts of compensation for compulsory insurance are defined by law 25.5 thousand UAH. for property damage and 51 thousand UAH. вЂ” damage to health and life, in the voluntary auto insurance limits are set by the IC. They typically fluctuate in the 100-200 thousand UAH. "There was a case when a client was trying to get at us 150 thousand UAH. under the contract of voluntary SHPO. He filed a claim for damage to a third party, injured by the fault of the policyholder due to the so-called contactless accident", вЂ” said the "DS" head of Department of settlement of losses of the company "Etalon" Tatiana Kopaev. According to insurers, in such cases, citizens imitate repentance вЂ” to acknowledge their guilt and seek to recover damages to a third party. After that, the security service of the UK is extremely difficult to get to the truth that actually the accident was not.Increasingly, insurers face at the car not the laymans, trying to squeeze out of the company maximum amount, and with real professionals. It comes to false policies on automobile insurance. The victims of such "divorces are not insurers, and their clients who do not receive a refund for the false policy. "We have already had three attempts to obtain payment on a false insurance motor insurance. Fake policies of our company were sold on the Russian territory, the Russian citizens entering our country. Moreover, the massive sell fake policies "green card" has started in Transcarpathia", вЂ” said Pavel Pronin from "Generali Garant".Has a knack encircling SC around her finger and in personal insurance вЂ” mandatory travel insurance, voluntary medical and accident insurance. Thus in associates are doctors who either can create an invoice for a non-existent operation, or overestimate the real cost of medical services. "Some citizens are trying to do elective surgery or dental treatment abroad, hoping it will cover the tourist policy. For example, we had a case when an elderly man made a planned operation in Germany, and on his return home, put the UK account for 9 thousand euros. The investigation revealed that the client previously sent in a clinic test results, and there were already expecting his arrival for the operation," вЂ” said in a conversation with "DS" Yaroslav Kurylev. Until 2007, this scheme was applied in insurance, but with the development of the domestic private clinics, experts have noted an increase in the number of people willing to make money on insurance medicine and at home. "When medical costs insurance and VHI abuse are observed by the medical institutions which unreasonably insured prescribed expensive tests and procedures", вЂ” shared with "DS" Tatiana Kopaev.Crime without punishmentIn accordance with the domestic legislation for each of the above cases of fraud assumes responsibility. "Under article 190 of the criminal code, all of these actions can be qualified as fraud. It carries a minimum fine of 850 UAH can also be used for public works for the term up to 240 hours, correctional labor up to two years or restriction of freedom up to three years. If the fraud committed on a large scale вЂ” more than 4250 UAH the attacker could face imprisonment of three to eight years," said Ekaterina Guthartz вЂ” partner Law offices of Guthartz. If hot will be caught by a group of speculators and proven cases of fraud in especially large sizes (over 10.2 thousand), the freedom you can lose in 5 to 12 years with confiscation of property.
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