EMERGING

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<strong>EMERGING</strong> MARKETS: A Review of Business and Legal Issues encountered a lot of prerequisites which could confirm „de facto” such practices by some ( if not the majority) of the insurance companies. Therefore ,in 2008, I performed the following studies, which focused this time on damage elimination process executed by insurance companies. The respondents (74%) point at the lack of objectivity while estimating the damage by the insurance company (draft 4). Diagram 4. Did the insurance company make an objective valuation of a damage? Source: T. Gulla, „Report – process of damages liquidation in Poland”, 2009 The regular functioning of each economic system is based on mutual confidence of the entities creating this system. The appearance of deceptions causes everyone to be treated as a potential „deceiver” which after a while leads to the degradation of the whole social system. Thus, the possible pursuing of such a strategy by insurance companies may be the sign of losing confidence in their customers. Page 132 Volume 1, April 2009
<strong>EMERGING</strong> MARKETS: A Review of Business and Legal Issues Diagram 5. An opinion of respondents about the amount of damages paid by insurance companies Source: my own elaboration Although the majority of respondents, it is necessary to mention, do not associate the resourcefulness in obtaining inflated or undue compensation with a positive feature (graph 6). The majority of them claim also, that nevertheless, insurance companies care about reducing the insurance fraud phenomenon (graph 7). Diagram 6: An opinion of respondents about the statement – ‘One who gains inflated or independent damage is a resourceful person'. Source: my own elaboration Page 133 Volume 1, April 2009
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EMERGING

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