Aspectos do seguro automóvel: a fraude e a negativa de indenização

Abstract

This work studied auto insurance fraud. Surveys show that trade insurance comes in the expansion process and provides access even to the lower classes. However, an increasingly growing number of insured, causes problems such as the existence of fraud, its consequences, but also the existence of intent and culpability of the insured. The aim was to portray the reality of insurance in Brazil, with an emphasis on car insurance, identifying their potential and the barriers that this market segment is wrapped. Focused on literature that could provide a good theoretical foundation for achieving the goals of this research, and consultation with regulatory agencies in national insurance system. In Brazil, the percentage of fraud claims with the percentage reached 1.4% in 2010, which somehow increases accident costs by the need to implement control mechanisms, more expensive premiums, since it causes fall demand for insurance reduces the profitability of insurers and hinders market development. Insurance is based on the principle of mutuality thus earnings per share loss, all policyholders are harmed by fraud. In auto insurance fraud that increases the price for contractors. We need a public awareness about this issue so that the market is efficient as a whole.