Studying insurance fraud with the collaboration of Zavarovalnica Triglav d. d.

Zavarovalniške goljufije v današnjem času predstavljajo pereč pojav, ki ogroža tako zavarovalnice kot tudi celotno družbo. Problem, s katerim se soočajo zavarovalnice, predstavlja napačna predstava javnosti o tem, da zavarovalniška goljufija ni kaznivo dejanje. Večina ljudi doživlja zavarovalniške goljufije kot sprejemljiva dejanja, saj menijo, da ni nič spornega, če si s pomočjo goljufije povrnejo denar, ki ga vložijo v zavarovalnico s plačilom zavarovalne premije. Največ zavarovalniških goljufij se zgodi pri avtomobilskih zavarovanjih, in sicer 70 odstotkov. K uspešnemu preiskovanju zavarovalniških goljufij v Zavarovalnici Triglav d. d. pripomore sodelovanje le-te z drugimi zavarovalnicami, policijo, tožilstvom, sodišči, detektivi ter s Slovenskim zavarovalnim združenjem. Kljub sodelovanju in uporabi programskih orodij, ki s pomočjo indikatorjev iščejo sumljive primere, je potrebno poudariti, da pri preiskanosti zavarovalniških goljufij ostaja sivo polje, kar pomeni, da ostanejo številne zavarovalniške goljufije neodkrite. V Zavarovalnici Triglav d. d. se goljufom zoperstavljajo tudi z osveščanjem javnosti o zavarovalniških goljufijah ter škodi, ki jo le-te prinašajo. Na ta način se želi doseči sprememba razmišljanja javnosti o sprejemanju zavarovalniških goljufij kot moralno spornih. Izziv, ki ostaja za v bodoče predstavlja boj proti goljufom, ki so vedno korak pred preiskovalci, saj s pomočjo modernih tehnologij uspešno goljufajo zavarovalnice ter s tem posledično višajo premije poštenim zavarovancem.Insurance fraud represents a topical issue nowadays that threatens the insurance companies as well as our entire society. The problem faced by the insurance companies is the public’s false notion that insurance fraud is not a crime. Most of the people experience insurance fraud as acceptable because they believe that nothing is wrong with using fraud for the retrieval of money that was invested in the insurance company via a payment of insurance premiums. Most insurance fraud occurs with car insurance, namely 70 percent. Cooperation with other insurance companies, the police, the prosecution, the courts, detectives and with the Slovenian insurance association helps the insurance company Zavarovalnica Triglav d. d. with successful investigations of insurance fraud. Despite the cooperation and the use of different software tools that search for suspicious cases with the help of indicators it is necessary to emphasize that a grey area still exists, which means that several insurance frauds still stays undetected. Zavarovalnica Triglav d. d. opposes the fraudsters by also raising the public’s awareness on insurance fraud and the damages it causes. This is how they want to change the opinion of the public about the acceptance of insurance fraud as morally contentious. The challenge that remains for the future represents the fight against fraudsters, who are always a step ahead of the investigators. With the help of modern technology, the fraudsters are successfully swindling the insurance companies and so consequently increasing the premiums of honest policyholders