EVU XXVII 2018 – 16 Insurance fraud: Fake traffic accidents – staging, detecting and proving
Insurance fraud: Fake traffic accidents –
staging, detecting and proving
Berislav Barišić – Jaman1 , Sanja Krajinović 1
1 Forensic Science Centre “Ivan Vučetić”
Abstract
The elements of insurance fraud can be found in certain percentage in all segments of insurance related to property, accidents and/ or motor vehicles – up to 15% of all global damages. Estimates of insurance frauds in different segments range from about 2.7% to 3% of the annual insurance premium, while in Croatia this estimate ranges from about 70 to 80 million euros a year.
In order to reduce this phenomenon to a minimum, both as regards motor vehicle insurance as well as crime related to traffic accidents, it is necessary to organise training for all factors in the damage-investigation-assessment system, for which hiring experts is crucial.
Experts analyse and provide guidelines for activities to be taken on site as well as guidelines for giving expert evaluation of such types of traffic accidents by using their knowledge and experience as well as modern tools (PC-Crash and similar).
A set of guidelines used in Ivan Vučetić Forensic Science Centre indicates that there are common features when it comes to methods used in insurance frauds carried out by staging traffic accidents, traces and their modalities, the way the damage occurred, the space and time analysis of the possibility of a traffic accident occurrence and the comparison of damage on the vehicle with any former damage.
La lettura di questo articolo è riservata ai soli Soci EVU Italia.
| Autore | Berislav Barišić – Jaman1 , Sanja Krajinović 1 1 Forensic Science Centre “Ivan Vučetić” |
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