How to detect insurance fraud

Who has not ever been tempted to "fatten" the party insurance after an accident? Insurers are aware that many drivers attempt to defraud claiming a greater number of both physical and material damage. Just to try to prevent these scams are investing significant resources in research teams devoted exclusively to reduce them. Axa, for example, last year invested 5 million euros in this field and has a team of anti-fraud 28 people.

And it is that insurers are not dumb nor the issue is trivial. These frauds are included in the Penal Code and can lead to imprisonment of between six months and four years in duration, depending on the extent of the deception. Since 75% of frauds are carried out car insurance or motorcycle, it is precisely there where companies focus their efforts to combat.

With the crisis, the scams have been increasing but also the support of society to these scams. Many drivers believe that insurers earn enough money or inflate a little fair share of injuries because after so many years paying no accident "is their right." However, nothing is further from reality, since the more parties receive the most up insurance premiums for customers and, ultimately, end up paying all.

These people are known as the occasional fraudster, that is, who wants to take advantage of a little sinister try to look bigger and thus repair past damage, or a driver that simulates a claim that has never happened. But there are also the usual fraudsters who use their extensive knowledge of the sector to achieve economic benefits in a usual manner.

However, according to Hotline, the profile of the car insurance fraudster is that of a girl under 26 years. In 38.5% of fraud intercepted last year and met this data is that they are the segment of the population that has hit the economic crisis in the last seven years and where a higher rate of unemployment is concentrated. Only car insurers has cost about 780 million euros increased more than 30% in fraud.

However, they still very difficult to detect fraud because of the large number of factors acting in an accident and the lack of major fraudsters car insurance penalties. However, social networks are serving a great help to companies and many people reveal their lies when they publish photographs of party or in the gym when the accident report claim immobility.