Some aspects of insurance fraud in the territory of Republic of Serbia in the period from 2010 to 2013

Abstract

This paper deals with us a little-known phenomenona of in­surance fraud which eventually became a real 'hit' in the countries in transition, as is the case in recent years with us. The first section lists the concept, elements and characteristics of fraud in insurance primarily with the crimi­nal justice aspect to the current Criminal code Republic of Serbia. The cen­tral part of the paper addresses the issue of insurance fraud in the territory of the RS and it lists the most important forms, such as improper medical diag­nosis, rigging traffic accidents, agreed car theft, inflated invoices for repairs, later calling the police, fraud in area of property insurance and others. Next follows the statistics insurance fraud and the RS for the period 2010 - 2013 years, the analysis of the structure of registered persons and the relationship to corruption offenses. The final part includes measures and recommenda­tions for the control and prevention of insurance fraud.

U radu se obrađuje kod nas malo poznati fenomen prevara u osiguranju koje su vremenom postale pravi 'hit' u zemljama u tranziciji, a što je u poslednje vreme slučaj i kod nas. U prvom delu se navode pojam, elementi i karakteristike prevare u osiguranju sa krivično-pravnog aspekta i prema KZ. Centralni deo rada obrađuje pitanje prevara u osiguranju na teritoriji Republike Srbije i navode se najvažniji pojavni oblici: nepravilne lekarske dijagnoze, lažiranje saobraćajnih nezgoda, dogovorena krađa automobila, preuveličani računi za popravke, naknadno pozivanje policije, prevare u oblasti imovinskog osiguranja i dr. Dalje sledi statistika prevara u osiguranju na teritoriji PC za period 2010-2013. godina, analiza prema strukturi prijavljenih lica i odnos sa koruptivnim krivičnim delima. Završni deo rada obuhvata mere i preporuke za suzbijanje i prevenciju prevara u osiguranju.