Consumer Attitudes
Has a low tolerance for fraud but realizes it occurs. They do not advocate strong punishment.
What is the realist
Also known as soft fraud, is when an insured deliberately inflates a legitimate insurance claim. It is an unplanned act, and arises when the opportunity presents itself.
What is Opportunistic Fraud
Enables consumers and members of the insurance industry to know what fraud is and how it can be prevented.
What is promoting Fraud Awareness
The key elements of fraud as identified in R. v. Olan Hudson and Hartnett
What is Dishonesty and Deprivation
Proves the fact at issue without need of inference or presumption
What is direct Evidence
Are tolerant of insurance fraud because they believe other people do it. They are advocates of moderate forms of punishment.
What is the Conformist
Known as "hard" fraud. Involves the deliberate planning or inventing of claims of improper insurance benefits by an individual. It involves fabricating a claim for the purpose of defrauding the insurer.
What is Premeditated or Planned Fraud
A key element in managing insurance fraud. Everyone can take an active roll against fraud. Many groups work together or cooperate with one another to deter fraud
What is Team work
Morton V. Canadian North Shield Insurance
What is material change
Based on making inferences from connected facts
What is Circumstantial evidence
Has the last tolerance for insurance fraud. They are willing to punish perpetrators severely because they feel there is no excuse for this type of behaviour.
What is the Moralist
Arises from an opportunity to submit an inflated claim when a legitimate loss has occurred.
What is Padded Claims
Operated by organizations like Crime Stoppers, the government or insurers provide citizens with a means to report circumstances that they consider to be suspicious or fraudulent.
What is Consumer Hotlines.
Labelle V, Guardian Insurance Co. CA
What are punitive/exemplary Damages
The latin term viva voce
What is testimony given under oath
Has a very high tolerance for fraud. They are ready to blame the insurance industry for the problems because they believe insurers do not conduct business fairly. They want little or no punishment for perpetrators.
What is the Critic.
Intentionally falsifying information on a loan application with the intention of receiving a larger amount than would have been allowed if the application if the application were honestly made. false information includes claiming to make higher income than actual real income.
What is Mortgage Fraud
Must be created and shared in accordance with privacy laws. Only appropriate entities should have access to information.
What are Data Banks
Warrington V. Great West Life Assurance Co.
What are Aggravated Damages
Judge decided weather or not to allow such and event in court
What are experiments
They may feel some behaviours are justified depending on the circumstances
What is the realist
Occurs when a criminal steals the identity of a homeowner and uses that false identity to steal there home through false documentation filed at the land registry office. This allows the criminal to sell the house or obtain mortgages to purchase other properties in the homeowners name.
What is Title Fraud
Accounts received should always be checked and billing practices should be reviewed to ensure that abuses do not occur.
What is analyze the scope and cost of repairs and treatments
Wigmore V. Canadian Surety Co.
What is Perfect Good Faith
Video tapes, photographs, audio tapes, electronic record
What is Real Evidence