Study for Personal Accident Insurance Fraud Cases and Preventive Strategy
| Autor: | Mei-Ling Chu, 朱美玲 |
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| Rok vydání: | 2018 |
| Druh dokumentu: | 學位論文 ; thesis |
| Popis: | 106 Insurance frauds happen from time to time. If preventive strategies or audit checks are not strictly carried out, fraudsters can easily find a way to benefit from insurance frauds. Such a phenomenon imposes great influences on the development and survival of the entire insurance system. Not only victims such as insurance companies suffer great losses in confirmed general insurance frauds, other kind-hearted insured parties also need to pay for such fraudulent acts from increased insurance fees resulting from increased loss rate of the overall injury insurance. The law-abiding insured parties should not be responsible for the results of fraudulent acts. With a low cost for insurance crimes, fraudsters often make use of characteristics of insurances such as repeatable purchases, low insurance fees, high value of insurance protection, relatively high interest rate, thereby imposing greater challenges in the collection of evidence. As a result, insurance companies must pay insurance claims despite suspecting the involvement of fraudulent acts. Furthermore, insurance fraudsters are lightly punished. Despite being finally convicted, verdicts are relatively low as long as no human lives are involved. In order to prevent injury insurances from becoming a tool of crime for fraudsters, it is crucial to develop preventive strategies against injury insurance frauds. This research not only bases on criminology theories and empirical researches, it also reflects upon the most realistic aspect of injury insurance frauds. By sampling first instance verdicts made by district courts, the research collected data of injury insurance frauds between 2008 and 2017 from the Law and Regulations Retrieving System by the Judicial Yuan of the Republic of China. The research conducted a search for “Injury Insurance” in the 22 district courts of Taiwan of the recent decade, and analyzed only first trial convicted cases. The cases are then categorized according to the nature of insurance frauds according to key words like “murder”, “accident”, “medical” and “self-harm” found in verdicts. The cases were then processed according to 12 items including the geographical distribution, title of crime, location of crime, verdict results, sentence, type of insurance, repeated purchase of insurance, method of application of claims, number of applied claims, amount of fraud, relationship with accomplices, length of time until successful claims, so as to discover common patterns of crime. Having found common factors of crime of insurance frauds, the research was able to spot characteristics of injury insurance frauds, and thereby listed four major types of insurance frauds based on found data. Preventive measures can thus be developed. Through analysis of verdicts and case studies, the study also suggested ways to prevent and tackle injury insurance frauds, as reference for the insurance industry and juridical bodies in the prevention and investigation of insurance frauds. |
| Databáze: | Networked Digital Library of Theses & Dissertations |
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