EMERGING

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<strong>EMERGING</strong> MARKETS: A Review of Business and Legal Issues What is surprising is the fact that 3% of poll respondents stated that an insurance offense is not a crime. Diagram 13. Respondents’ opinion about the question: Is insurance offense a crime? Source: my own elaboration Although respondents know that by committing an insurance offence one can be punished (diagram 14), 24% of them admitted to the purposeful misleading the insurance company when reporting damage which concerned mainly motor insurances (motor insurance [OC] and collision coverage[autocasco]). Diagram 14. Truthful filling of application forms when reporting a damage. Source: my own elaboration Page 138 Volume 1, April 2009
<strong>EMERGING</strong> MARKETS: A Review of Business and Legal Issues Diagram 15. Detailing the scope of submitted damages by people who filled the application forms incorrectly. 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% 9% by phone 91% personally Form of submitting damage 16% other property insurances 59% AutoCasco 25% motor insurance Type of submitted insurance 33% no 67% yes Intentional incorrect filling in the damage's application Source: my own elaboration V. Summary The aim of this report was to depict the phenomenon of insurance crime in Poland with emphasis put on the beguilement of undue compensation being one of the most serious problems affecting insurance companies nowadays. Among the factors that had significant influence on this trend were the development of market economy and the appearance of many insurance companies which, through their passive attitude, indirectly contribute to the increase of insurance crime in Poland. Even though some of the companies have already commenced the fight against insurance crime and achieved success, it will be impossible to win this war without consolidating the whole milieu. In the future, more sophisticated methods of beguiling undue compensations may gradually be expected, as may the significance of organized international criminal groups. Since this is the case, a question of when insurance crime is going to be finally treated Page 139 Volume 1, April 2009
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EMERGING

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