The goal of the Project is to create public e-services supporting the prevention of insurance crime, in particular the identification and verification services of phenomena concerning insurance crime. It is implemented by providing access to e-services that enable:
– providing the participants of the insurance market and public institutions with knowledge and tools to actively counteract the phenomena associated with insurance crime,
– creating a secure electronic environment for cooperation between institutions involved in the processes of counteracting insurance crime in the co-creation of identification methods, as well as methods of effective response to criminal incidents,
– increasing the level of knowledge about phenomena related to insurance crime.
UFG has also defined an additional goal – to create e-public services supporting institutions responsible for road safety in achieving their goals.
The objectives of the project are a response to identified social problems, in particular:
– The greater scale of insurance crime and the globalization of criminal phenomena, and thus the need to intensify and take new qualitative actions to protect the interests of insurance market participants and citizens.
– Losses incurred by the injured in transport incidents, e.g. incomplete compensation for losses incurred in the event of communication incidents caused by uninsured owners of motor vehicles.
– Losses incurred by vehicle buyers in the form of a higher price than the real purchase value, due to the lack of information on the actual technical condition of the vehicle.
– Unsatisfactory level of road safety in Poland, well below the level of developed EU countries.
The basic risks to which insurance companies are exposed relate to undue or excessive inflations and benefits. In the field of insurance, the subject of fraud is not only damage to vehicles, but also damage to the person. Currently, there is an upward trend in the number of attempts to obtain benefits with the use of personal claims from liability insurance of a motor vehicle owner through, among others, falsification or preparation of medical documentation for the purpose of obtaining the highest possible compensation.
As part of the work, main beneficiaries of services were identified:
– Entrepreneurs providing services on the insurance market – insurance companies,
– Citizens – as insured, injured, buyers of vehicles,
– Administration and public services – requesting information in the processes of counteracting and combating crime phenomena.
In addition, the needs of project beneficiaries were diagnosed, which was the basis for defining e-services created as a result of the project.