ArmInfo.The security service of the insurance company "ROSGOSSTRAKH ARMENIA" is taking active steps to curb and uncover insurance frauds. As the press service of ROSGOSSTRAKH ARMENIA insurance company told ArmInfo, the company has introduced a system to detect signs of fraud, thanks to which a significant number of attempts are suppressed at the stage of claims settlement. Employees of the company are subjected to a thorough analysis of all cases in which there are signs of fraud.
According to a representative of the security service of ROSGOSSTRAKH ARMENIA IC, the majority of fraud attempts are made by "respectable", unrelated to crime, citizens who do not plan a crime in advance, but commit spontaneously, without realizing that misleading the insurer is a criminal offense. Only according to the 6 episodes described below, we managed to uncover frauds in the amount of 7.804 million drams. According to international statistics, the share of fraud in refunds is about 15%, of which only 10% are committed by "professionals."
In 2018, in the courts of Armenia several convictions were issued in criminal cases for fraud in the field of auto insurance, including on a large scale. In most cases, criminal cases are initiated on the basis of evidence collected by insurance companies on their own or in cooperation with law enforcement agencies.
Thus, on the basis of the data transmitted by the security service of the ROSGOSSTRAKH ARMENIA insurance company, a criminal case was initiated against the Armenian citizen B. T., who became the cause of the accident when driving while intoxicated, as well as his son and friend, who arrived the accident and trying to help him to hide the fact of drunk driving - each of them introduced himself as a driver and took the blame for the accident. During the investigation, law enforcement agencies proved the fact of fraud by a group of persons by prior agreement on a large scale. Damage caused was 1.8 million drams. In this criminal case, all three participants of a criminal group were convicted by the court and fines of 500 thousand and 600 thousand drams were imposed.
In another case, the citizen O. S. became the cause of the accident, as a result of which his car was damaged in the amount of 1.8 million drams. For the purpose of obtaining compensation, a few days later he staged a similar accident and tried to present the circumstances in such a way that he was recognized as a victim. According to a statement from the company "ROSGOSSTRAKH ARMENIA", law enforcement agencies opened a criminal case and the fact of fraud was proved. The court found O. S. guilty of fraud on a large scale and sentenced him to 2.5 years in prison. The punishment was not applied and a probationary period of 2 years was appointed. A similar case was recently identified through law enforcement. Managed by citizen M. car crashed into a pole. Damage caused was 1.714 million drams. Since, according to the rules of road accidents, the case was not an insurance case, the driver, in collusion with his acquaintances, staged an accident involving another car. By the court's decision, five citizens of Armenia incurred criminal punishment for fraud on a large scale committed by a group of persons in a preliminary conspiracy, incl. the driver is the cause of the accident, the driver of another car, who agreed to take part in the performance, the driver of the tow truck, as well as an employee of one of the insurance companies in Armenia.
Another common type of fraud is the purchase of an OSAGO contract after the insured event. In one of such cases, this year a court decision was issued against AA, who, after the occurrence of an accident, bought a road accident insurance policy, and only after some time called the call center of ROSGOSSTRAKH ARMENIA insurance company and declared an insured event. Damage caused was 580 thousand drams. The fact revealed by the employees of the company served as the basis for initiating a criminal case. According to the court decision that came into force, citizen A.A. convicted of fraud and incurred a criminal sentence.
At the end of 2017 from Vanadzor, the call center received a message about the accident, presented conflicting information. Thanks to the actions taken by the company's employees, it was possible to prove that the said accident, as a result of which material damage in the amount of 1.5 million drams was caused, was staged. Reimbursement for this case has not been paid.
In another case, which occurred on April 10, 2018 in the Zeytun district of Yerevan, the company's employees found that the road accident insurance policy was acquired after an accident. In addition, other signs of fraud were identified and the case was transferred to law enforcement agencies. During the investigative measures, the fact of submitting to the insurance company false information was established. Based on the indicated data, the sum of 410 thousand drams was not paid.
According to the ranking of insurance companies in Armenia as of July 1, 2018, prepared by ArmInfo IC, Rosgosstrakh IC keeps the leadership in insurance premiums and indemnities, dominating almost all types of insurance. Rosgosstrakh Armenia is licensed in 15 insurance classes (including the only one in the credit risk insurance class). The company's premiums in the first half of 2018 exceeded 6.3 billion drams or $ 13.1 million (with an annual growth of 29.2%), and the amount of indemnities reached 3 billion drams or $ 6.2 million (with an annual growth of 20.2%). As of July 1, 2018, Rosgosstrakh Armenia's assets reached 14.5 billion drams or $ 30.1 million, its own capital - 7.2 billion drams or $ 14.9 million, accumulated profit - 2.7 billion drams or $ 5.5 million. Cimarex Management is now a 100% stake in Rosgosstrakh Insurance Company. Limited, and the indirect sole proprietor is Demetra Stavrina. In the Armenian market, IC "Rosgosstrakh Armenia" has been operating since May 2008.