Insurance fraud was as criminal offence existence of the German criminal law (ehem. "§ 265 StGB) a preparatory act to the fraud. Act action is the arson at buildings, or sinking or stranding a ship in the intention of attaining the insurance benefit for the insured object. Insurance fraud was a crime, since it was reinforced with at least one year in the measure of punishment.

The act action is now in the again arranged fraud facts as particularly heavy case again calm and in the minimum measure of punishment raised. ("§ 263 exp. 3 Nr.5 StGB).

Of it to differentiate the colloquially equated fraud (passing) was debited to an insurance, which however in the penal code no independent facts represents. Fraud debited to an insurance is the unauthorized acquisition (money) of an achievement of an insurance company by the insurant or a claimant in fraudulent intention. This corresponds now either to the general facts of the fraud ("§ 263 StGB) or the new facts of the insurance abuse in new seized "§ 265 StGB.

Forms of the fraud

• A thing is announced as stolen, although it is still in the possession of the insurant (e.g. a bicycle). The insurance replaces the current value.
• A thing is sold and announced then as stolen (e.g. a car in Poland).
• A thing, which is insured against destruction, is deliberately destroyed (e.g. a ship); the insured sum exceeds however the current value of the thing.
• In the car insurance intact vehicles are entangled intentionally into a collision - motive is the fictitious account after appraisals in relation to the insurance.
• A legal expenses insurance is arranged to the covering promise, as wrong information will withhold given or important information.
• Actual or fictitious account with the insurer on basis of falsified vouchers or wrong witnesses, e.g. if the issuing dealer is a friend/an accomplice of the insured one.
• Wrong data to the lost object also with an actually insured case, in order to get a higher remuneration.

Extent of insurance fraud in Germany

Experts assume that approximately 10 per cent of all damage reports in the Kompositsparten (special, liability and motor vehicle insurance) it is fraudulent. In some sections the portion becomes estimated even on nearly 50 per cent. From it losses at a value of several billion euro result to the insurance industry.

Measures of the insurers against insurance fraud

In view of these numbers insurers look for ways to repel fraud consistently. In addition many insurance uses an automated testing method, the so-called "intelligent damage examination (ISP)". ISP examines damage documents on the basis decision logics for basis of Fuzzy Logic.

Related links

• http://www.unfallforensik.de/be-motive.html
• Industrialization of the fraud fight pdf

Articles in category "Insurance fraud"

We found here 6 articles.

Related Websites

We found here 4 related websites.

• Coalition Against Insurance Fraud
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• Pennsylvania Insurance Fraud Prevention Authority (IFPA)
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• USA - - Coalition Against Insurance Fraud
  Non-profit organization dedicated to fighting insurance fraud.


• Welcome to the Division of Insurance Fraud
  Florida Insurance Fraud. ... E Filing is a quick and easy way to report insurance fraud in Florida. Just enter your information and click the "submit" ...