Crimes in the insurance business as kind of insurance crimes: problems of detection and solution

According to the subject of crime, crimes in the insurance sphere are classified into three groups: criminal encroachments of insurers, insured persons, beneficiaries, committed against the property interests of insurance companies; criminal encroachments of employees of insurance companies, insurance agents and other intermediaries in the insurance sphere, committed against both insurers and insurance companies; criminal encroachments of the chiefs and senior officials of insurance companies (these acts are called crimes in insurance business). Social danger of such crimes is determined by their high latency, highly organized nature of their commission, the scale of property damage caused to the clients of the insurance company, its employees and the state. One of the most serious crimes of this group is false insurance when under the cover (in a legal form) of insurancecontracts the insurance operations, the contents of which are tax evasion, legalization and export of capital abroad, cashing of funds and other crimes, are carried out. Difficulty in recognizing such crimes should be countered by means of criminalistic tools of their detection and suppression, including the use of sources of information on planned and committed crimes. These sources include statements of insurers, reports of insurance supervision bodies, the Federal Financial Monitoring Service and tax authorities, as well as the results of crime detection activities, reports of competitors and bodies of self-insurance, mass media reports. Law enforcement agencies should not start its work only when the crime is reported. It’s necessary to act from the positions of initiative, pragmatism, prevention.