Pojistné podvody při pojišťování motorových vozidel a jejich odhalování

Abstract

The diploma thesis deals with the committing of insurance fraud in the field of motor insurance with a partial focus on the systems used to detect fraud, including the effects of this fraud. The aim of the diploma thesis is to evaluate the methods of committing and methods of detecting insurance fraud in the field of motor insurance and to analyze the impact of insurance fraud on parties involved. The theoretical part of the thesis is mainly devoted to the definition of basic terms such as fraud, specifically insurance fraud and then the terms relating to the insurance contract and the individual participants in this contractual relationship. Furthermore, there is a detailed analysis of motor insurance provided in two basic forms. Statutory, i.e. compulsory insurance, motor third party liability insurance and voluntary contractual insurance, accident insurance. In the practical part, a large space is devoted mainly to the specific ways in which insurance fraud is committed on motor vehicles, including the most common examples from practice that can be encountered. At the same time, this section discusses in detail the individual systems and methods that greatly assist insurance companies in detecting insurance fraud. Last but not least, the consequences of this fraud for both insurance companies and the perpetrators themselves or honest clients of insurance companies are described.