| Summary: | 碩士 === 淡江大學 === 保險學系保險經營碩士在職專班 === 97 === Insurance crimes arising out of the profit-driven arsons have trended toward conglomeration and organization, which not only seriously threaten public safety and social security, but also severely disturb the sound operations of the non-life insurance industry and the equity and justice of the society. For the purpose of effectively preventing any arson-related insurance crimes, this research analyzes the crime motivations, criminal acts and incident characteristics, and then proposes feasibly preventive measures in relation to underwriting and claim aspects. Moreover, the research draws the following conclusions and recommendations by way of the actual claim cases along with the court judgments occurred in the past.
1. For the insurance companies: (1)emphasize underwriting quality; (2)strengthen the expertise of in-house underwriters and claim adjusters in the area of arson-related insurance crimes; (3)establish a reporting mechanism in respect of the fire insurance underwriting and claims; (4)enhance the Cooperative Defending System among issuance companies, the Fire Departments, police agencies, and prosecutors.
2. For the supervisory authority: (1) enhance the operational functions of the Insurance Anti-fraud Institute of the R.O.C.; (2) strengthen the propagation with respect to the insurance crime prevention; and (3) provide seminars on the subject of fire insurance crimes.
3. For the Fire Departments, police agencies, and prosecutors: (1) raise the incentive of combating crimes; (2) impose heavier penalties on the convicts in respect of the fire insurance crimes; (3) revise the fire protection regulations in order to facilitate evidence collection by the insurance companies; (4) establish a dedicated agency in charge of arson investigations, and (5) announce the news in relation to the suspected arsons with deliberation.
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