What is the fraud register for personal injury in Rijswijk?
The **fraud register for personal injury** is a national register in which insurers and authorities register suspects of fraud in personal injury claims. This register is an initiative of the **Central Fraud Unit for Personal Injury (CFEL)** and helps to prevent and combat fraud in regions such as Rijswijk. If your name is in this register, it can have consequences for your claim or insurance with local insurers. The register safeguards the integrity of the personal injury system.
Legal basis and purpose in Rijswijk
The fraud register for personal injury is not directly laid down in law, but is based on agreements between insurers, the Dutch Association of Insurers (NVV) and the Central Fraud Unit for Personal Injury (CFEL). In Rijswijk, the CFEL collaborates with the Ministry of Justice and Security and the Authority for the Financial Markets (AFM) to detect and combat fraud.
The most important legislation applicable in the Rijswijk region can be found in:
- Personal Injury Compensation Act (Wsl): Regulates compensation for personal injury and the obligations of victims and insurers in cases at the District Court of The Hague (district).
- Financial Supervision Act (Wft): Contains rules on integrity and fraud prevention within the financial sector, including insurance.
- General Insurance Terms and Conditions (AVB): Determine the procedure in case of fraud suspicion.
How does the fraud register for personal injury work in Rijswijk?
The fraud register is an **internal database** used by insurers in Rijswijk and surrounding areas to assess whether a claim or insured person is suspected of fraud. The register is not publicly accessible, but insurers can use it for new claims.
Steps in the fraud register process
- Detection: An insurer or authority in Rijswijk detects a suspicious claim and reports it to the CFEL.
- Investigation: The CFEL investigates fraud through documents, witness statements or evidence.
- Registration: If there is sufficient indication, the person or case is included in the register.
- Use by insurers: For a new claim in Rijswijk, the insurer can consult the register and decide on handling.
Practical examples in Rijswijk
Example 1: Forged medical documents
Situation: Jan from Rijswijk reports personal injury after a traffic accident on the A4. He claims back pain, but the insurer discovers forged medical reports from a non-existent doctor. Consequence: Report to CFEL, inclusion in register. Subsequent claims at the District Court of The Hague may be rejected.
Example 2: Multiple claims for the same damage
Situation: Maria from Rijswijk claims personal injury from two insurers for one accident in Laan van 's-Gravenhage, without notification. Consequence: Discovery via CFEL, inclusion in register. Future claims are complicated.
Rights and obligations regarding the fraud register in Rijswijk
Your rights
- Right to information: Request information from your insurer, CFEL or Juridisch Loket Rijswijk. The register is not public.
- Right to defend: Explain in case of wrongful inclusion for removal.
- Right to legal advice: Engage a lawyer via the District Court of The Hague or Juridisch Loket Rijswijk.
Your obligations
- Honesty: Provide truthful information to insurers to prevent fraud suspicion.
- Cooperation: Cooperate in investigations by CFEL or insurers in Rijswijk.
- Reporting multiple claims: Always report all claims to avoid problems.