In Russia is actively developing a new type of fraud with insurance
The Prosecutor General’s office is concerned about the activities of lawyers, offering motorists services in the receipt of payments on OSAGO. As a result of the monitoring, the Prosecutor’s office revealed numerous cases, when the intermediaries profited from financial ignorance of car owners. Information about the inspections the Prosecutor’s office sent to the Central Bank, the interior Ministry and the Russian Union of Insurers. The Central Bank of the Russian Federation “news” have confirmed that such cases are indeed many. In RSA reported that the reaction of the Prosecutor General’s office timely, and the solution to the problem of unfair avtoyuristov without interference from law enforcement is impossible. You may even need a system solution.
The attention of the Prosecutor General was drawn by the fact that against the backdrop of increasing litigation related to insurance, increased the activity of legal intermediaries — the so-called avtoyuristov. As it turned out, they not only work to protect the rights and legitimate interests of owners, how much profit from them. The scheme is simple: after a man gets into an accident, the first on the scene approaching the lawyers-mediators who offer the victim not to engage independently resolve problems with an insurance company, and assign to them rights or to issue them a power of attorney with the right to receive all payments on an insurance case. But after that, do not rush to solve problems with the insurer and submit a claim to the court, bypassing judicial review of disputes. This affects the insured person and who are forced to bear the cost of reparations to victims, and insurers, which in addition to the direct costs caused by avtoyuristy have to bear additional costs of doing business.
— And these actions are made without regard to the authority court of Arbitration at the PCA for review of disputes by insurance. Moreover, the beneficiary shall be recovered from the insurer of the sums is not a victim, but a legal mediator, — has declared “news” the official representative of the Prosecutor General of the Russian Federation Alexander Kurennoy.
According to him, was identified and cases openly fraudulent schemes and criminal acts. The Prosecutor General’s office initiated public Prosecutor’s check. About the situation informed the Central Bank of the Russian Federation. Information was also sent to the interior Ministry of Russia for the organization of inspections. According to their results criminal cases in the republics of Dagestan and Tatarstan, and also in Moscow and Krasnodar Krai.
For example, in Makhachkala criminal cases because of false claims in court about collecting of SAR compensation and fictitious material about a non-existent accident. In Moscow investigates criminal case concerning group of individuals who stole money from the RBA in the amount of more than 3 million rubles. They were fake, the assignment agreements and the payment order to the court. In Tatarstan will also investigate the case where the injured party was the RAMI. There scammers used the criminal scheme, which involved sham companies registered in Kazan.
The Bank of Russia “Izvestia” said that the regulator carries out constant monitoring a situation in the market of insurance confirming the existence of such cases.
We receive information from both policyholders and insurance companies. The growth activity of avtodorozhnikov who act in their own interests, and not in the interests of road accident victims are common to several regions (Volgograd and Rostov regions, the Krasnodar territory) and is one of the reasons prevailing in these regions, the situation of low availability of insurance policies, specified in the Central Bank.
The CBR noted that the decision of questions on protection of the rights of consumers of insurance services is in the plane of action of the various players, law enforcement and judicial authorities, expert organizations, local authorities, the insurance community and the regulator.
— This is where dialogue between all stakeholders, which was initiated, including the Bank of Russia, and their concerted action. We hope that the timely reaction of the Prosecutor General’s office will assist in the revitalization with avtopodemniki and fighting to eliminate fraud, openly criminal in nature, said the Bank of Russia.
The state office of public Prosecutor has raised the question of restoring order in the field of insurance and before the PCA. The President of the Union Igor Yurgens told “Izvestia” that the materials of the Prosecutor General is extremely timely.
— Our statistics shows that there has been a sharp increase in litigation for insurance. It is extremely important that the Prosecutor General’s office indicates the role of intermediaries who are rocking the boat. Statistics of RSA shows that in the hands of avtoyuristov only last year, settled about 10 billion rubles from 18 billion rubles, which was paid by the court. The share of middlemen accounts for almost half of the payments according to the court, ” he stressed.
According to the Bank, in I quarter of 2016 from the total amount of insurance indemnities (117 billion), about 11% are on payment of court — 12,6 billion rubles. The lion’s share of this figure is CTP. This type of insurance a quarter of the losses settled in court. Just for insurance has been paid 35.6 billion rubles, of which 8,755 billion rubles — by the courts.
— Blame are avtoyuristy that artificially stimulate the growth in the number of court cases. Ground for disputes gone — CTP is a single method of damage calculation, respectively, the trend needs to be reversed. And now it turns out that if a fresh quarterly data to extend for a year, will that amount will be doubled. Thus, if legislative changes designed to prevent avtoyuristam, will not be accepted, then the groups legally savvy swindlers earn on OSAGO already 10 billion and 20 billion rubles per year, — said Igor Yurgens.
According to the head of RSA, business avtoyuristov is an independent business, which in some regions have taken the form of organized criminal groups in this regard, without interference from law enforcement problem.
— It is therefore essential that the Prosecutor General’s office monitors the situation, he said.
The head of the onf project “For the rights of borrowers”, Deputy of the state Duma Victor Klimov, commenting on the situation, told “Izvestia” that the intervention of the Prosecutor General in this area would not be amiss. Moreover, in his opinion, require even system solutions.
