ICEA
(Cooperative Research between Underwriters and Pension Funds), in its
report on the Spanish Insurance Fraud 2011 presented by shows that is
increasing the attempted insurance fraud, reaching 95,312 in the car
insurance industry, which an annual increase of 10.5%.But who is behind the fraud?"Virtually
all cases are detected correspond to individuals.
The amount claimed by
case usually low," says a director of ICEA, more worrisome considering
the action of organized gangs. "They
represent a small volume of cases in each scam but manage to get much
more relevant quantities. Primarily active in the auto industry."Almost always, it is the insured who is committing fraud.
The role of contrast is relevant only in car accidents (22%). And neither mediators nor insurance providers (shops, doctors, builders ...) are often involved in the scams.The best case of fraud detectedICEA convenes an annual contest to choose the juiciest deception. The fraud prevention departments of the first Spanish insurance refer more curious cases have been detected at ICEA.
The
jury weighs both the economic quantity that has saved the insurer to
discover the thymus as detection techniques employed and the strength of
evidence.In the case that won first prize last year, coordination of parallel investigations was fundamental. We detected a possible fraud in an incident in which a person became paraplegic due to a car accident. The
insurer suspected that the claimant had posed as copilot, when it
really was the driver of the vehicle at the time of the accident.In the auto insurance policies to third parties, the driver of the car is not covered, but the companions.
The
combined action of the company's experts, an engineering center that
reconstructed the accident sequence and specialists of forensic medicine
chair failed to prove at trial that the accident was driving the car at
the time of the incident.Is it profitable for insurers to avoid scams?Sometimes the cure is worse than the disease, but overall it is very beneficial. The key lies in knowing the companies decide when and in what compensates investigate is less expensive to overlook ...Last year, the 21 entities that contributed to the study ICEA fraud allocated 6.7 million euros to analyze possible scams. This investment allowed avoiding scams where net demanded payment of 341 million euros in compensation. For every dollar spent on research is avoided paying almost 52 euros.
To
uncover the deceptions insurers mobilize their experts, who are
responsible for evaluating the origin of the claim and the amount of
damages. They also hire the services of private detectives. Their job is to contrast the documentation provided and the accounts presented by those involved in the incident. Sometimes, companies turn to specialized laboratories to analyze samples collected at the scene.
The
technological sophistication also extends in fraud detection
activities, resulting in a massive increase use of internet and social
networks for monitoring and investigation of claims. Internet helps to reveal if there are any pre-existing relationship between the cause of the accident and the injured. There
have been cases where those involved in a traffic collision when they
were denied knowing clearly in contact on social networks.The Data Protection Act has cut so far all projects to create an official file insurance fraudsters. However, it is common practice for insurance servicers hold data of families who have tried to cheat in the last sector.
It
is common to add extra items to cars: design headlights, tinted
windows, GPS, alloy wheels ... There are endless possibilities and
combinations for owners of cars do your car something special. In Spain there are over 250,000 cars circulating tuning our roads.
Well,
many people do not know that most insurance companies require that
these facilities do not come standard are expressly stated in the
insurance policy and car to be covered, depending on the value, and
increase the cost of insurance.
Normally
you need to take the car to a workshop agreed that tell you to pass the
expert, see changes and accessories and validate for insurance.
A
half usually used is that for every € 300 of accessories "serial no"
built into the vehicle, the annual premium will increase by € 10, or €
3,000 which will be prepared for extra € 100 a year more insurance.
The
first exception to this rule: the tow ball can be added as an extra
accessory to car insurance coverages and generally does not raise the
premium.But averages are just that, averages. Insurers have a wide disparity among themselves as to cover car accessories. Some
we cover damage caused by non-standard accessories and not stated in
the policy, as long as they are not audiovisual devices (DVD, audio,
browser ...) or xenon headlights.Other insurance companies cover up to 300 euros, the excess of this amount, we must declare, and therefore pay a supplement.
Some
companies cover without additional premium, all standard accessories
and undeclared in the policy including factory, provided the value
thereof is included in the acquisition cost of the vehicle. In many other carriers does not occur.
There are even special insurance policies offered to drivers with cars "tuned".Something
very positive is that in cases where the extras are covered after a
disaster, companies will not devalue the price of a penny accessories
for antiquity, contrary to what happens with the whole vehicle.
Insurers
stipulate the price of a policy for car insurance based on the risk
they are willing to assume and the coverages that protect the insured
for each claim.Knowing
a little more detail the way in which insurance companies evaluate the
risks and therefore premiums receivable, we try to get our insurance pay
less.
Risk Factors
Insurers use up to 30 variables to calculate the price of their insurance company and each given a specific weight. By
a calculation involving all these factors, we obtain a result that
allows to know the premium to be paid by each driver to insure your car.We can divide the various factors affecting the risk as they relate to the driver or the vehicle:• Factors associated conductor: Age, length of your license, marital status, area of residence, bonus, claims history, etc..
For
example, the age of the driver each insurer classifies drivers by age,
sections must not be the same for all, and each is assigned a risk
characteristics and a fee.Similarly, the price is different for a single man to a married woman. In general, women are more cautious than men, a married person is usually more responsible.Keep in mind that the variables related to the history of accidents are the most affect on car insurance rates.•
Factors relating to the vehicle: make, model, engine, performance,
overnight parking in garage, use type, annual miles, etc ...
The risk of an accident at high speed is much higher with a car of 300 hp with a 60 hp utility.It also influences whether the car is parked in a garage or on the street.Since
the premium depends on these factors, we are required to notify the
Company of any change in any of these factors to determine whether it
corresponds to an increase of the price of the policy or not. In the event that there is an increase in risk is likely to pay an additional amount.
Save the car in a garage
Having
parked the car on the street means more risk of it being stolen,
scratched, etc.., From that of someone who keeps the car in a garage.While
it is virtually impossible to prevent theft or damage to the vehicle in
a garage, it is obvious, however, that the risk of an accident
occurring is much smaller.Therefore,
insurance companies (some, not all) make a distinction if the car is
parked in the garage one day, or only at night, or both at once. Moreover, there are companies that make a distinction between whether the garage is is individual or collective.Essentially,
the probability of theft in a communal garage is much greater than in a
single garage, because the thief needs a lock'' force'' extra, which
gives access to the single cabin where the car is parked.How it affects the price to park in a garage
#The discount applied to the premium is different and depends on the insurance company to the policy we hire car. The discount rate we apply mainly vary if the garage is individual or collective, if it is covered or not. Insurers
discounts apply uneven, considering where you park during the day and
at night where, although many insurers, all we ask is the type of
garage.The
cost of renting a parking space, especially for those living in a big
city, it will be difficult to offset the discounts that we can do our
insurance company. However it is an additional factor to consider in deciding whether to rent or not, certainly not everyone has come to raise.
