Abstract:

The paper focuses on the area of insurance fraud in the Czech Republic. The objective of this paper is to compare the incidence of insurance fraud in the Czech Republic for the period from 2011 to 2019 based on data from the insurance market and the Police of the Czech Republic and to find out to what extent the data match, i.e. whether the number of insurance fraud cases investigated by the police corresponds to the number of insurance fraud cases resolved by insurance companies and whether the values of damages caused by insurance fraud cases and funds protected by insurance companies from baseless payment correspond. The results show that in none of the monitored years did occur that all insurance fraud cases (or at least their significant part) resolved by insurance companies were also investigated by the police. In general, the police investigated only a few percent of insurance fraud cases handled by insurance companies. As regards the calculated amount of damages in police investigations and the amount of protected values determined by insurance companies, it can be stated by analogy that the damages reported in police statistics are only a small part of the total amount of values which are protected by insurance companies. However, within this indicator, there are larger differences in the calculated values in the monitored period, while it is not possible to trace any obvious trend or cause of the given situation from the given values. The methods of description, analysis, comparison and deduction have been used in this paper.