What is the fraud register for personal injury damage in The Hague?
The **fraud register for personal injury damage** is a national register in which insurers and authorities record suspects of fraud in injury claims. This system was established by the **Central Fraud Unit for Personal Injury Damage (CFEL)** to detect and prevent fraud. In The Hague, where many personal injury cases are handled at the District Court of The Hague (Prins Clauslaan 60), inclusion in this register can have a major impact on your claim or policy. It protects the reliability of the personal injury damage system.
Legal basis and purpose in The Hague
Although the fraud register has no direct statutory basis, it is based on covenants between insurers, the Dutch Association of Insurers (NVV) and the **CFEL**. The CFEL works closely with the Ministry of Justice and Security and the Authority for the Financial Markets (AFM) for effective fraud prevention.
Important laws that apply here:
- Personal Injury Compensation Act (Wsl): Establishes rules for injury compensations and obligations of affected parties and insurers.
- Financial Supervision Act (Wft): Focuses on integrity and fraud prevention in the insurance sector.
- General Insurance Terms and Conditions (AVB): Determine the steps in case of suspected fraud.
How does the fraud register for personal injury damage function?
This **closed database system** enables insurers to check new claims for fraud risks. It is not public, but exclusively accessible to insurance companies.
Process steps in the fraud register
- Report: Insurers or authorities report suspicious cases to the CFEL.
- Investigation: CFEL conducts a thorough investigation using files, statements and evidence.
- Registration: In case of concrete indications of fraud, the person or claim is registered.
- Consultation: For future claims in the The Hague region, insurers check the register and may reject claims.
Practical examples from The Hague
Example 1: Fabricated medical records
Case: Pieter from The Hague submits a claim after a bicycle accident and claims permanent neck pain. The insurer discovers that the medical statements are false; the named specialist does not exist. Outcome: Report to CFEL results in registration. Future claims at the District Court of The Hague may be rejected.
Example 2: Double payouts for one incident
Case: Lisa claims personal injury damage from the same tram accident in The Hague with two insurers without disclosing this. Outcome: This is discovered through CFEL information exchange. Registration follows, with complications for new claims.
Rights and obligations regarding the fraud register
Your rights
- Access: Request information from your insurer or CFEL. For help in The Hague: Legal Aid Office The Hague, Lutherse Burgwal 10.
- Objection: In case of unjustified suspicions, you can argue for removal from the register.
- Legal assistance: Engage a personal injury lawyer, possibly via the District Court of The Hague.
Your obligations
- Transparency: Always provide accurate and complete information to your insurer.
- Cooperation: Cooperate in investigations to dispel fraud suspicions.
- Report changes: Report double claims or relevant updates immediately.
Help in The Hague
For questions or disputes: visit the Legal Aid Office The Hague (Lutherse Burgwal 10) for free advice or the District Court of The Hague (Prins Clauslaan 60) for proceedings.