Lineadirecta, has published the conclusions of a study on the increase of fraud in Spain.
As in the blog of car insurance and more I have often talked about the premium of car insurance, I wanted to touch this subject also in a post.
According to this study Barometer on fraud in car insurance due to fraud in car insurance premiums from auto insurance is 10% more expensive because of those who commit fraud when declaring a claim.
As I wrote at the time in this blog of car insurance in explaining how the car insurance premium is calculated, the key factors are the frequency with which the accidents happen and the average cost of these.
Therefore, fraud by increasing either of these two factors, whether declaring a greater number of claims or doing what is possible to increase the value of the indemnity by the insured, the clear result is the increase of the premium of the Car insurance, which as it says this study is passed on to all policyholders of car insurance, which implies that all drivers pay 10% more for the price of their insurance, because of those policyholders who commit fraud , Since if the fraud does not exist Evidently, when someone knows that another person has committed fraud with the insurance does not stop to think as it affects him, and if it were only a case would not have repercussion, but the study indicates that the value Total fraud amounts to 780 million euros per year, so each can do the calculation he creates to see how it affects his pocket that another person commits fraud.
Due to the crisis the number of frauds in car insurance policies has increased by 30% being the groups involved more heavily those under 26 years and the car fleets of companies, as you can see two opposite poles of cases.
The study also indicates that 2 out of every 100 claims declared are frauds and the provinces with the highest percentage of cases of fraud in car insurance policies are Granada, Ciudad Real and Malaga and Ávila the least.
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