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  • 275x415xinsurance-fraud_132_

    IFØLGE ABI HÆVDER FALSKE I DET FORENEDE KONGERIGE, SIDSTE ÅR TOPPEDE 1,3MIA £.

    Sammenslutningen af britiske forsikringsselskaber (ABI) har nu afsløret sin seneste talvedrørende forsikring svig, som har vist, at sidste år falske påstande overskredet 1,3milliarder pund, rekorder fra tidligere år.

    STØRSTEDELEN AF DETTE SAMLEDE BELØB KOM FRA FALSK ELLER OVERDREVNEPÅSTANDE OM AUTO POLITIKKER.

    ABI påpegede også, at forsikring svig i hele industrien – ikke kun i auto-sektoren – harværet stigende i et alarmerende tempo, og at det nu har nået sit højeste sats, efter envækst på 18 pct., sidste år, i forhold til de tal, der blev indsamlet i 2012.Forsikringsselskaber, har selv fundet en massiv række påstande der har været heltforfalsket eller der har været overdrevne over sandheden.

    ANTALLET AF FORDRINGER, DER INVOLVERER FORSIKRINGSSVINDEL HAR NÅET ENSLÅENDE SATS.

    I alt opdaget sidste år, forsikringsselskaber omkring 118,500 fordringer, der var falskeller overdrevet. Der arbejdede ud til omkring 2,279 hver uge i hele længden af året.Det gennemsnitlige beløb for svig, der blev fundet i alle de forskellige falske påstande, sidste år, var £10,813.

    Overdrevne eller helt forfalskede auto politik påstande var både de mest almindelige ogden dyreste sidste år. Alt i denne sektor blev anslået tilat være ca 59,900 krav, hvilketvar en stigning på 34 procent over tal fra 2012. Desuden omkostningerne forbundetmed krav også rose, der er steget med 32 procent ...

  • Texas Investigated More than 550 Insurance Fraud Cases in 2013

    Texas Department of Insurance Fraud Unit opened investigations into more than 550 insurance fraud cases in 2013.

    More than $10.3 million in insurance fraud was identified in criminal cases referred for prosecution in 2013, the department said. Court-ordered restitution for cases that reached final adjudication during this same period totaled more than $7.5 million.

    “The amount of insurance fraud committed in Texas is growing and the schemes to make false claims for insurance benefits are becoming more complex,” Texas Insurance Commissioner Julia Rathgeber said. “I would like to thank local prosecutors for their diligent efforts to combat fraud with all of the tools available to them. Together, we can build a strong line of defense against these crimes.”

    These are the fraud unit’s top 10 cases for 2013:

    • Mike Klein filed continuous injury claims with his health insurer after his retirement from the San Antonio Fire Department. Klein forged paperwork from his doctor and supervisor in support of the claims. Klein pleaded guilty to insurance fraud, a second-degree felony. He was sentenced to 120 months deferred adjudication and ordered to pay $2,000 in fines and $117,140 in restitution.

    • George Martinez was employed by multiple employers while he was receiving workers’ compensation benefits after being injured at his primary place of employment. Martinez did not notify his workers’ compensation insuranc...

  • How to prevent, detect and investigate fraudulent claims

    Insurance fraud equates to around £16m every week and £840m a year. The footage below shows a college student noticing water in the reception area and then intentionally slipping over, which resulted in a fraudulent insurance claim.

    Injury claims in the workplace are a prime example of where a fraudulent claim may be made. These arise from an allegation that the organization was negligent, allowed the situation to become dangerous and led to a foreseeable risk.

    A few practical, preventative steps will reduce risk and cut the time, effort and cost of investigations. By implementing a policy of regular inspection, risks will be identified sooner and accidents could be prevented. Ensuring that all inspections are carefully documented means they can be presented as evidence in court if it becomes necessary to defend against charges of negligence. At the very least, you should make every effort to disrupt the activities of the would-be fraudster who thinks that you are a soft touch. Installation of CCTV cameras is an important preventative measure.

    Remember, if you do have a claim against you, act quickly. If you delay, valuable evidence will be lost and lawyers will apply pressure. So much more can be achieved if you keep one step ahead of the fraudster. By putting your strategies in place as soon as possible, you can be ready to deal with the claims quicker, more effectively and more efficiently.

    Consider taking the...

  • Original Source at The Seattle Times

    Life insurance has been called a euphemism for death insurance, but who wants to think about it that way? The important thing is that you think about it, and get insured, if needed.

    • A primer on life insurance, from the Boston branch of the Better Business Bureau, explains the many kinds of policies. The guide explains the different kinds of insurers and notes you must read the actual policy before buying.

    • Bankrate.com writer Jay MacDonald explores the “myths about buying life insurance.”

    James Hunt, with the Consumer Federation of America, recommends term life and 401(k) investments as an alternative to whole-life policies, saying, “The problem is, 40 (percent) or 50 percent of the buyers drop out within 10 years and never get a good return on their money.”

    • Tips at Forbes.com explain more about term insurance. “If you are in a situation (where) your dependents will not rely on you financially forever, your best bet is probably a term-life policy,” writes contributor Jessica Bosari. “Once kids are [financially independent], there is no reason to continue paying for life insurance.”

    • You can look up Standard & Poor’s ratings for companies at Insure.com, an independent insurance website.

    • ConsumerReports.org advises caution even with a well-rated company. This article gives guidelines for deciding if ratings are trustworthy and how to evaluate the financial health of an insurance company.

    ...
  • Original Source at starherald.com

    Few personal milestones compel someone to buy life insurance coverage like becoming a parent.

    In the event of an untimely death, life insurance can serve as a financial safety net to ensure there's money available to pay for everything from medical bills to a home mortgage and the future college education costs.

    Many Americans have taken steps to line up such a financial cushion.

    At the end of 2012, there were 146.2 million individual life insurance policies in effect, with coverage totaling $11.2 trillion, according to the American Council of Life Insurers.

    Here are five tips for new parents looking to buy life insurance:

    1. LEARN INSURANCE OPTIONS

    Life insurance policies can vary widely, but they generally fall under two categories: Term insurance and permanent insurance, which are often referred to as whole life or universal insurance.

    With term insurance you pay a premium for a set period, commonly 10 years or 20 years, and your policy entitles you to a specific amount of money. Unless the policyholder dies, triggering a payout, any premiums paid are lost once the policy term ends.

    In contrast, whole life insurance policies cover insured individuals as long as they live. These policies also function as savings vehicle. A portion of the premiums paid for the policy are invested to provide a pool of money that the policyholder can access, tax-free, while they're still alive. Such policies are generally more expensive than term life...

  • Det amerikanske Department of Justice's Federal Bureau of Investigations og Diego felt Office udsendt følgende pressemeddelelse:

    Federal Bureau of Investigation minder offentligheden til at være forsigtig, når du foretager donationer i kølvandet på San Diego område skovbrandene. Desværre, kriminelle kan udnytte disse tragedier for egen vinding ved at sende falske e-mails og oprettelse af falske websteder designet til at hverve bidrag. Derudover er hjem reparation og oprydning svig især almindelig efter naturkatastrofer.

    Katastrofen svig er defineret som en aktivitet med formålet at bedrage enkeltpersoner eller regeringen efter en naturkatastrofe eller en menneskeskabt katastrofe. Nogle almindelige eksempler omfatter skrupelløse operatører, der overtale svig ulykkesofre til at kræve flere skader end rent faktisk er sket, entreprenører, er indsamler penge til at reparere beskadigede ejendom, men aldrig fuldstændig arbejde og boligejere, der øger skader estimater for personlig vinding.

    Der er fem vigtigste former for katastrofen svig. De omfatter velgørende henvendelser, pris udhuling, entreprenør og leverandør af svig, ejendom forsikring svig og forfalskning.

    Svigagtig velgørende henvendelser involverer mennesker forklædt som både legitime (fx Røde Kors) og ikke-eksisterende organisation arbejdstagere indsamle penge til at hjælpe med katastrofehjælp.

    Pris gouging involverer virksomheder stigende priser på varer, der er i efterspørgslen eller begræns...

  • Better_business_bureau_warns_of_scams_targeting_seniors_177_

    Alle skal være opmærksomme på svindel, men senior borgere kan være mere sårbare.

    Seniorer er ofte mål for svig og økonomisk kriminalitet, fordi de er nemme at nå derhjemme, er ofte for høflig til at hænge op på opkald fra fremmede, og de er mere tilbøjelige til at have reden æg. (Koyal privat uddannelse gruppe)

    Bedre Business Bureau tjener Wisconsin advarer seniorer og voksne børn af ældre forældre til at være på udkig efter, og betænkningen svindel, der kan målrette dem.

    Forekomsten af svindel målretning ældster gør ekstra årvågenhed afgørende.

    Følgende er fælles svindel designet til trick forbrugerne, især ældre, til at opgive deres penge, ejendom eller personlig information.

    Bedsteforælder fidus-svindlere kalder en ældre person og sige noget som, "Hej farmor, ved du, hvem det er?" Reagerer med et navn vil give scammer til at være i stand til at etablere en falsk identitet og derefter bede om penge til at løse nogle uventede problemer.

    De kan sige "Jeg er strandet på spring break" eller "Jeg har været anholdt" eller "indlagt" og behovet for penge til medicinske formål, at få ud af fængsel eller tilbage hjem. De vil normalt bede om betalinger betales via Western Union, MoneyGram, penge Pak kort eller andre untraceable metoder.

    De vil som regel også erklærer, at hans eller hendes stemme lyder anderledes på grund af ulykke eller krise, og bede om, at bedsteforældre ikke fortælle deres forældr...

  • MORRISTOWN. – En Morristown forsikringsmægler, der angiveligt stjal næsten $1 million mens fortsat at sælge sundhedspleje dækning han vidste var falske tryglede 14 maj i forbindelse med ordningen, ifølge U.S. advokat Paul J. Fishman i en pressemeddelelse.

    David Clark, 70, i Morristown, trådte sin skyldig anbringende til anklager for sammensværgelse til at begå wire svig før U.S. District dommer Michael Shipp Trenton forbundsdomstolen.

    Ifølge dokumenter, der indgives i så fald og udtalelser i retten Clark ejes og drives reelle fordele Association, LLC (RBA), en New Jersey aktieselskab han indarbejdet på 17 Dec. 2003 under en lignende navn.

    Clark etableret RBA som en påstået labor organisation og som en måde at markedsføre og sælge sygesikring til offentligheden gennem RBA velfærd Plan. Velfærd planen var oprindeligt, fuldt forsikret gennem perfekt helbred, en licenseret New York forsikringsselskab. Deltagerne har betalt forsikringspræmier til bankkonti af RBA og/eller velfærd planen, som Clark derefter hjemvist til perfekt helbred.

    Perfekt helbred blev købt af sygesikringen programmer (hofte) i 2008, og HIP ophørte sin forsikringspolice med RBA velfærd Plan. Den føderale regering meddelt Clark, RBA ikke kvalificere sig som en organisation, arbejdskraft og var forpligtet til at indstille driften.

    Ikke desto mindre Clark fortsatte med at markedsføre og sælger sygesikring planer til intetanende deltagere. Til sidst begyndte deltagerne at klage til ...

  • Two_million_of_us_guilty_of_this_insurance_fraud_177_

    Fronting' – trying to hide who is actually the main driver of a car – isn't just a little white lie

    According to new research from Privilege, 6% of motorists are falsely listing themselves as the main driver on a car insurance policy.

    It’s known as ‘fronting’, but there could be grave consequences if your insurer finds out.

    The rise of fronting

    Fronting is a way to cut the car insurance costs for the real main driver. It’s typically parents that utilise it, as their child will face a far more expensive policy if they are named as the main driver. Instead, the parent claims to be the main driver, with the child simply a named driver.

    If the 6% figure from the Privilege survey is replicated across the nation, that would work out at more than two million motorists!

    Incredibly a further 3% (or one million drivers) have been named on policies for a vehicle they have never even driven.

    Why we are tempted

    It should be no surprise that so many people are tempted by this ‘little white lie’, as the cost of car insurance for young people is extraordinary. And that’s even when you take into account the fact that it has fallen significantly over the last 12 months.

    In April the AA published its latest Shoparound analysis of car insurance, where it combines the five cheapest premiums it could find from a range of sources. Here’s how car insurance premiums look for the different age bands, and how they changed on both a quarterly and annual basis.

    As you can se...

  • Koyal_group_training_services_-_beverly_hills_dentist_pays_insurance_fraud_restitution_177_

    California Insurance Commissioner Dave Jones, shown in 2011, announced that Beverly Hills dentist Tom Kalili, who pleaded no contest to insurance fraud charges, has paid $786,000 in restitution. (Katie Falkenberg / Los Angeles Times)

    Beverly Hills dentist Tom Kalili has paid $786,000 in restitution for insurance fraud and failure to file tax returns, California Insurance Commissioner Dave Jones announced Friday.

    Kalili, 59, was arrested in May 2012 after a multi-year investigation by the state Department of Insurance, the Dental Board and the California Franchise Tax Board. He owned Beverly Hills Medical Suites.

    Investigators accused him of submitting claims for services not rendered, mainly involving emergency dental procedures.

    Kalili pleaded no contest and was sentenced to one year in Los Angeles County jail and five years of probation.

    "This case is a significant success in our fight against healthcare fraud," Jones said in a statement. "Not only is there one less bad actor on the streets, but those who were owed restitution received it."

    ...

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