Methods of cheating in motor insurance

According to the company "Russian Insurance tradition", the insurance market in Russia had lost in 2010 on the "gray" schemes, scams, more than 27 billion rubles., Of which more than 23 billion rubles. were paid for bogus evidence of insurance claims for insurance OSAGO and helmets. Portal Bank.ru talk about how unscrupulous customers and fraudsters make their insurers. Defects registry. After getting into a car accident clients of the companies claim more damage than what he has suffered in reality. For example previously received bruises and scratches the car immediately becomes a consequence of the accident. The client required to pay damages for which he should have to pay. Reticence of alcoholic trail. Set of traffic accidents committed by drivers who are intoxicated. In this case, some companies deny their clients in the insurance payment. However, people tend to hide the fact that drinking and seek not put payments. Hiding injuries for insurance. Such variant uses fear of the "hull". They hide the damaged cars, and upon receipt of the policy immediately impose requirements on the insurer. Staging an accident. By this method resorted drivers whose vehicles were damaged, not subject to insurance claims. They simulate an accident involving a third person that receives a portion of premiums paid. Special damages. It happens that the man paid for the insurance big money, but no trouble at the end of the policy period with his car did not happen. In this case, some citizens are specifically break or damage the elements car to get at least some compensation. Backdating. Sometimes it is that car insurance is only after it enters into an accident. Dirty car owner to compensation bribing an insurance agent, what would he ordered insured for a few days before the accident happened. Collusion with the appraiser. There are a number of opportunities order an independent evaluation of material damage to the car, got in an accident. In this case the driver asks for a bribe to a specialist to assess the damage costs above the real. Kidnapping own car. Nothing is easier than stealing his car from which the owner of a hurry to get rid of. The owner of the vehicle fakes hijacking by bezdokumentalnoy selling cars dubious persons and receives for this insurance. Cheating insurer will inevitably affect the company's clients. Many market participants are working on the verge of profitability. If they start to cheat, then employers have nothing left to pawn these expenses in the cost of re-selling of policies. That is why many experts are inclined to declare an imminent rise in price of services auto insurance system.