The rumor says that the French are the champions of the fraud of any category confused. In the field of insurance, the cost of fraud amounts to no less than 2 billion euros per year.
But, what is the real risk if one decides one day to perform a fraud on auto insurance?
The different types of fraud
Detecting a case of proven fraud is not always easy for insurers, as it can be manifested in different forms. First of all there is the famous declaration of false claims. Theft, accident, fire or damage. The ultimate objective is to be compensated by its insurer. A practice unfortunately too widespread. Indeed, there are no fewer than 45,000 vehicle fire reports annually. Of all the reported facts, about 10% would be cases of insurance fraud but it is very difficult to be sure.
In the second place, there are the false declarations made at the time of the subscription of an auto insurance contract. When the future insured person has to fill out a questionnaire that gets a little too detailed, he is obviously tempted to lie. Especially when it comes to defining its level of risk. An essential figure for the insurer who will use it to calculate the auto insurance premium.
Know the real risks
In the event of a false declaration, the penalties may be criminal and administrative:
- loss of interest on your auto insurance
- a fine of 4 500 euros and a prison sentence of two years.
- confiscation of your vehicle
- a 5-year driving ban
For a false declaration of theft, the insured is liable to a conviction for fraud to the insurance (a fine of 375 000 euros) as well as a prison sentence of up to 5 years.
As regards the false declaration of accident, the insurer must above all prove the fraud with the help of an expert. Once this step is successful, he / she will then be able to request the termination of the insurance contract and may also refuse any compensation.
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