Insurers strongly focus on combating fraud in personal injury claims. This affects all involved parties, including those acting honestly. Know what rights you have and how fraud investigations proceed in Westland.
What does personal injury fraud entail?
Personal injury fraud can occur in multiple ways.
Types of fraud
| Type | Example | Seriousness |
|---|---|---|
| Fully fabricated claims | Claiming a non-existent accident | Very serious |
| Exaggerating damage | Presenting complaints more severely | Moderate to serious |
| Incorrect information | Concealing prior conditions | Moderate |
| Submitting multiple claims | Double-declaring damage | Serious |
| Manipulated evidence | Submitting fake medical documents | Extremely serious |
How does a fraud investigation proceed?
If there are suspicions, an insurer in Westland can initiate an investigation.
Types of investigation
Analysis of file
Review of submitted documents, comparison with previous claims, and checking consistency in your story.
Social media check
Reviewing public profiles on platforms such as Instagram and LinkedIn to find discrepancies with claimed complaints.
Private investigation
Observation by a detective agency, exclusively in cases of clear fraud indicators and within legal limits.
Medical evaluation
Additional medical examination to confirm the validity of your complaints.
Your rights during an investigation
Even during fraud investigations in Westland, you have rights that are protected.
Essential rights
- Right to information about the investigation upon completion
- Proportionality: the investigation must be appropriate to the suspicion
- Privacy: there are limits to what may be investigated
- Right to respond: you may respond to the findings
What happens in case of fraud?
Committing fraud in personal injury claims can have severe consequences.
Potential consequences
| Consequence | Explanation |
|---|---|
| Claim is rejected | Your entire claim is denied |
| Repayment | Paid amounts must be returned |
| Fraud registration | Entry in a fraud database |
| Policy cancellation | All insurances may be terminated |
| Criminal proceedings | Possible in cases of serious fraud |
| Investigation costs | Costs of the investigation recovered from you |
Fraud databases
Insurers in Westland use central systems to register fraudsters.
Types of registers
- Incident database: internal registration with the insurer
- EVR: Extern Verwijzingsregister (shared among insurers)
- FISH: Fraude Informatie Systeem 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 in Westland is unjustly accused of fraud.
What can you do?
- Contact a personal injury lawyer immediately
- Cooperate with the investigation to avoid suspicion
- Provide evidence supporting your claim
- File a complaint in case of incorrect accusations
- Demand compensation for unjust allegations
Prevent confusion
Many alleged fraud cases arise from misunderstandings or lack of knowledge.
Advice
- Be honest about your complaints and limitations
- Report positive developments as well
- Do not conceal prior medical history
- Submit requested information on time and completely
- Let a representative handle your communication
Contact in Westland
For legal support, you can go to the Juridisch Loket Westland. In court cases, this falls under the Rechtbank Den Haag (district).