Insurers are intensively focusing on combating fraud in personal injury claims. This also affects honest claimants in Rijswijk. Know your rights and understand how fraud investigations work.
What does personal injury fraud entail?
Fraud in personal injury cases takes several forms.
Types of fraud
| Type | Example | Seriousness |
|---|---|---|
| Fully fabricated claims | Claiming a non-existent accident | Very serious |
| Exaggeration of damage | Presenting complaints as more severe | Moderate to serious |
| Incorrect information | Concealing medical history | Moderate |
| Submitting multiple claims | Double-declaring the same damage | Serious |
| Fake documents | Manipulated medical reports | Extremely serious |
How does a fraud investigation proceed?
If an insurer suspects fraud, an investigation may be initiated.
Types of investigations
Analysis of file
Checking submitted documents, comparison with previous claims, and verifying consistency in your story.
Social media check
Searching public accounts on platforms such as Facebook and Instagram to see if your limitations match your claim.
Private investigation
Observation by a detective agency, only in cases of clear indications of fraud.
Medical examination
Additional medical examination to confirm the accuracy of claimed complaints.
Your rights during an investigation
Even during a fraud investigation in Rijswijk, you have rights that must be respected.
Essential rights
- Right to information about the investigation after completion
- Proportionality: the investigation must be appropriate to the suspicion
- Privacy protection: there are limits to what may be investigated
- Right to respond: you may respond to the findings
What are the consequences of fraud?
Committing fraud in personal injury cases can have serious consequences.
Possible consequences
| Consequence | Explanation |
|---|---|
| Claim rejection | Your entire claim is denied |
| Repayment | Paid amounts must be repaid |
| Fraud registration | Entry in a fraud database |
| Termination of insurance | All insurances may be terminated |
| Criminal proceedings | Possible in cases of serious fraud |
| Investigation costs | Costs of the investigation may be recovered from you |
Registration in fraud systems
Insurers keep track of fraudsters in national databases.
Types of registers
- Internal register: registration within the insurance company
- EVR: External Referral Register (shared between insurers)
- FISH: Fraud Information System Holland
Impact of registration
- Taking out new insurance becomes difficult
- Registration can remain in place for up to 8 years
- You have the right to access and object
Unjust suspicion of fraud
Sometimes someone is unjustly accused of fraud in Rijswijk.
What can you do?
- Contact a personal injury lawyer immediately
- Cooperate with the investigation to avoid suspicions
- Provide evidence supporting your claim
- File a complaint in case of unjust accusations
- Claim damages in case of unlawful suspicion
Prevent misunderstandings
Many alleged fraud cases are actually misunderstandings or lack of knowledge.
Advice
- Be completely honest about your complaints and limitations
- Report positive developments as well
- Do not conceal prior medical history
- Provide requested information quickly and completely
- Have a representative handle your communication
Frequently asked questions in Rijswijk
How do I find out if my insurer suspects me of fraud?
Insurers must inform you after completion about a fraud investigation. You will receive a written report of the findings. During the process, you may notice delays or receive additional questions.
May my insurer view my social media?
Yes, but only public information and in cases of concrete suspicions. The investigation must always be proportionate.
Court: District Court of The Hague (district)
Legal Aid Office: Legal Aid Office Rijswijk