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Title:Obravnava škodnih primerov avtomobilskih zavarovanj ob sumu vožnje pod vplivom prepovedanih substanc : magistrsko delo
Authors:Kuštrin, Samo (Author)
Dvoršek, Anton (Mentor) More about this mentor... New window
Medveš, Alan (Co-mentor)
Files:.pdf MAG_Kustrin_Samo_2017.pdf (1,04 MB)
 
Language:Slovenian
Work type:Master's thesis/paper (mb22)
Typology:2.09 - Master's Thesis
Organization:FVV - Faculty of Criminal Justice and Security
Abstract:Magistrsko delo, ki je pred vami, predstavlja sintezo dveh problematičnih področij v Sloveniji, in sicer pojavnosti zavarovalniških goljufij/prevar (v sklopu avtomobilskega zavarovanja) ter vožnje pod vplivom alkohola, prepovedanih substanc in trigoničnih zdravil. Prekrivanje teh dveh področij je polje potencialnih in dejanskih zavarovalniških goljufij/prevar zaradi škodnih dogodkov, ki so nastali zaradi vožnje pod vplivom prepovedanih substanc in trigoničnih zdravil. Zavarovalniške goljufije in prevare uvrščamo med kazniva dejanja gospodarske kriminalitete, so visoko dobičkonosne in razmeroma malo tvegane. V slovenskem prostoru je zaradi vse pogostejših pojavov zavarovalniških goljufij in prevar zakonodajalec sklenil, da si ta posebna oblika kriminala zaradi lažjega in učinkovitejšega preganjanja zasluži ustreznejšo uzakonitev. V ta namen je leta 2008 začel veljati prenovljen zakonik (KZ-1), ki v 211. členu posebej opredeljuje zavarovalniško goljufijo. Da je tovrstni problem še kako aktualen, potrjujejo ocene zavarovalnic, da je skupna izguba letnega prihranka iz tega naslova med 5 %10 %. Statistični podatki kažejo, da je Slovenija na evropski lestvici po porabi alkohola uvrščena na peto mesto. Poleg tega se delež alkoholiziranih voznikov skozi leta ne zmanjšuje bistveno in predstavlja trajni varnostni problem v cestnem prometu. Tudi prepovedane psihoaktivne substance v Sloveniji so in bodo, upoštevajoč geografsko lego Slovenije kot tranzitne države, pereča problematika. Zaskrbljujoči so podatki, ki kažejo, da se povečuje število mladih, ki posegajo po prepovedanih substancah. Ta toleranca pa se kaže tudi v številu primerih prometnih nesreč, ki nastanejo zaradi vožnje pod vplivom prepovedanih psihoaktivnih substanc. Iz leta v leto se povečuje tudi število izdanih trigoničnih zdravil. Slednjim smo se v magistrskem delu posebej posvetili, saj ugotavljamo, da slovenska družba tovrstnim zdravilom, predvsem pa njihovim stranskim učinkom, ne posveča dovolj pozornosti. Nastanek škodnega dogodka zaradi vožnje pod vplivom trigoničnega zdravila pa pomeni za povzročitelja enako izgubo zavarovalnih pravic, kot če bi bil alkoholiziran ali pod vplivom prepovedanih substanc. V ta namen smo opravili tudi raziskavo, s katero smo ugotavljali, v kolikšni meri in katera trigonična zdravila najbolj vplivajo na nastanek škodnih dogodkov. Naše ugotovitve kažejo, da je bilo številčno največ izdanih zdravil iz skupine antidepresivov ter da je skoraj polovica vseh obravnavanih škodnih dogodkov nastala do enega meseca dni po prejemu trigoničnega zdravila. V magistrskem delu smo dodatno opredelili tudi težave in omejitve zavarovalnic pri preiskovanju in dokazovanju domnevnih zavarovalniških prevar, nastalih zaradi vožnje pod vplivom trigoničnih zdravil. V sklepnem delu podajamo nekaj predlogov in sistemskih rešitev, ki bi lahko po eni strani izboljšale stopnjo kulture in varnosti v cestnem prometu, po drugi strani pa bi lahko zavarovalnice z implementacijo predlaganih ukrepov omejile možnosti za nastanek domnevnih prevar.
Keywords:zavarovalništvo, avtomobilska zavarovanja, škodni primeri, zavarovalniške goljufije, prepovedane substance, magistrska dela
Year of publishing:2017
Year of performance:2017
Place of performance:[Ljubljana
Publisher:S. Kuštrin]
Number of pages:108 str.
Source:[Ljubljana
UDC:343.3/.7:368(043.2)
COBISS_ID:3386346 Link is opened in a new window
NUK URN:URN:SI:UM:DK:QSOCL0XF
Views:433
Downloads:47
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Categories:FVV
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Secondary language

Language:English
Title:Investigation of vehicle insurance claims upon suspicion of driving under the influence of (illegal) psychoactive substances
Abstract:The master’s thesis aims to join two extremely problematic fields in Slovenia, one field being the insurance frauds and the other driving under the influence of alcohol, narcotic and psychoactive substances (drugs, medications). Overlaying of these two fileds presents potential and actual field of events that happened because of driving under aforementioned substances. Insurance fraud and scams are ranked among the offenses of economic crime and usually highly profitable and executed at relatively low risk. In Slovenia insurance fraud was first introduced in year 2008 in updated penal Code (KZ-1), article 211. Insurance fraud as crime should not be underestimated, becuase it presents a total loss ob 5% - 10% of annual Slovenian's insurance profit. Slovenia, just like other countries in the European Union pays great attention to road safety and raising awarness about the dangers of use of alcohol in traffic. At the same time statistics show that Slovenia in ranked 5th on the European scale by alcohol consumption. Moreover, the percentage of drunk drivers over the years has not diminished significantly and represents a premanent safety problem in traffic. Because of geographical position of Slovenia as a transit country, illicit psychoactive drugs will continue being a very serious problem. This was pointed out by the data, that more and more young drivers resort to narcotic substances during driving and in the number of cases of traffic accidents caused by driving under the influence of illicit psychoactive substances. Year after year, the number of psychoactive substances (medications) is being increased. We devoted particular attention to that problem in the master’s thesis because of the discovery, that Slovenian society does not pay enough attention towards medicinal products and particularly their side effects. Furthermore causing the accident while being under the influence of psychoactive substances (medications) means loss of insurance rights as opposed to causing the acciedent under the influence of alcohol or other illicit substances. To this end, we conducted a survey, which was used to determine the extent to which psychoactive substances (medications) influence the cause of an accident. In this master’s thesis we further define the problems and limitations of insurance companies when it comes to investigation and proving of alleged insurance frauds which were caused under the influence of psychoactive substances (drugs, medications). Final part of master’s thesis consists of suggestions and potential solutions which may on one hand improve the culture and safety on Slovenian roads, and on the other hand aid the insurance companies with tools to discover the suspected fraud.
Keywords:Insurance, frauds, scams, alcohol, psychoactive substance, traffic collisions


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