Accéder au contenu principal

Car insurance: what are the risks in case of fraud?




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.

Commentaires

Posts les plus consultés de ce blog

Clé de série pour: Kaspersky Internet Security 2017

Clé de série pour: Kaspersky Internet Security 2017 1. Tout d'abord, vous devez réinitialiser la version d'essai afin qu'elle ne soit pas expirée: Utilisez cette série: FQZ3R-RHXP3-EQ62A SZDG9 2. Ensuite, utilisez le code d'activation: ( Free Serials KASPERSKY INTERNET 2017) 1- TZD5E-791PU-WS14E-FWSUA 2- 1HDAT-NKT4D-5W25V-H7FNA 3- 5AP54-G2CG5-24J2P-PAY29 4- 1D923-5UB6W-ARQ6W-BUTHP 5- Q4J58-WQ57J-491UZ-EBZYA 6- 8H79V-4CK65-J3MXE-38MU9 7- 8H9KC-D6PMC-Y2JYH-JXJA4 8- 8HA1S-78CRF-B551M-AV9NC 9- 8HQ4W-13A6N-5VYKY-1K3TT 10- 8HRCP-HADZ1-87AVN-B9T2H 11- 8HRWT-4Q1PM-SV1JE-2D7DM 12- 8HSBP-GN4Z6-U1SEF-HQA65 13- 8H7HF-1AQGU-JYKEB-V68J3 14- 8H7SM-3BTDX-YZQM9-R5JE9 15- 8H7TD-QDF1Q-AUY16-HAWNS 16- 8H84Y-W1VAG-6GM1R-UW8P3

Compare different health insurance offers

Faced with the increase in the number of deductions, you have decided to take out  health insurance  .  Here is a wise decision!  However, it is important to note that, at the time of making the right choice, there will be a number of  factors  that are sufficiently essential to vary the  amount  of your  insurance premium  . Factors that affect the amount of your premium With criteria that vary from one individual to another, it is not necessarily evident to set out guidelines when discussing the  factors taken into account  by the insurer in determining the amount of Health insurance premium.  However, it is possible to mention the  following factors  that will influence the amount of your premium: your age Your social system The profession that is yours The level of guarantees you have chosen The number of beneficiaries of your insurance It should be noted that taking into account these factors specific to the insured will undergo a  major upheaval  on December 21,

Car Insurance: What is the Malus Bonus?

The principles of the Bonus Malus The bonus-malus (or "reduction-increase clause") has been compulsory since 1976 with the aim of encouraging prudence. The effect of the premium / car insurance contribution is to adapt the behavior of the driver Vehicle insured. This variation results from the application of a higher or lower level coefficient on the "civil liability" and "damage" parts of the contribution depending on whether or not the driver (s) were responsible for accidents during The annual period or periods elapsed. The operation of the Bonus Malus The Bonus Malus or reduction / increase coefficient (CRM) applies to all passenger cars, light trucks and motorcycles over 80 cm3. All motorists therefore have a Bonus or Malus. The premium / auto insurance premium payable at each annual maturity is influenced by the decline or increase in this indicator that reflects your "good behavior". When you do not have an accident, you get a bonus and yo