OREANDA-NEWS. March 06, 2012. In 2011, the Security Department (SD) of OJSC IC Allianz (ROSNO trademark) prevented insurance fraud attempts against the company for the total amount of 260 mln. roubles. Each year, employees of the Security Department uncover over 1.5 thousand cases of fraud. As before, malevolent insurants are mostly attracted by such business lines as motor insurance (MOD and OMTPL) and carriage insurance, reported the press-centre of ROSNO.

In 2011, the most widespread fraud schemes were overstatements of insured value of the damaged property and simulated car stealage. Staged traffic accidents are also still popular among the company’s mala fide clients.

In 2011, the Security Department of IC Allianz conducted 4,700 pre-insurance investigations, leading to denial of insurance coverage in 500 cases due to presence of malicious intent. The company furnished law enforcement authorities with documents on 148 cases involving misconduct towards the company, resulting in opening of criminal investigation in 40 cases. The nature of the investigated cases is varying. Here are some examples.

Last year in the Chelyabinsk Region, an insurant-legal entity claimed stealage of the tractors purchased to perform open pit works and insured with the company. During investigation of this insured accident, the SD employees were alerted by the fact that the machinery had virtually disappeared fr om the open pit. Later, the investigation uncovered that no stealage had occurred, and the tractors were not delivered to the open pit, since the entire transaction involving would-be purchase of this special-purpose machinery was a sham. The prevented loss equalled 50 million roubles.

Most often, malevolent insurants try making a profit at the insurer’s expense precisely in motor insurance. Quite often, they attempt to implement their wicked designs with the help of some employees of enforcement agencies.

In July 2011, our MOD client submitted a loss proof claiming that he lost control of his vehicle AUDI Q7 and collided tangentially with a road barrier. Later, monitoring the mass media, the SD employees found an short article in one of the Voronezh-based periodicals stating that in late June 2011, the vehicle AUDI Q7 collided tangentially with a car owned by one of the correspondents of this periodical, wh ereafter the AUDI driver escaped the scene without stopping. The subsequent examination of the submitted materials uncovered that the circumstances of this traffic accident were forged by the insurant. The latter was refused insurance compensation, and the road policemen who had issued the fake documents were subjected to internal investigation.

In Rostov-on-Don, an insurant, together with road policemen, forged traffic accident documents to be used to get insurance compensation in the amount exceeding 700,000 roubles. During investigation of the circumstances claimed by the insurant, it was established that, since the insurant possessed no driving license as of the date of the traffic accident, he colluded with road policemen to write in the documents that another person had been driving the vehicle at the time.