Tolerance has also been found towards ‘fiddling’ a claim if the relationship between the insured and the insurer was perceived to be a distant one (Tennyson, 1997). This interpersonal distance was noted by Tennyson to be increased when the insured perceived the insurance premium to be financially burdensome. When this issue is coupled with the difficulties firstly in defining fraud, therefore varying record rates between insurers and the fact that often there are no central fraud figures held by companies, and they are often guesstimates, understandably it is a difficult problem to tackle.
One of the major problems to managing insurance fraud is because of the social perception that policyholders have over fraud and this has facilitated the crime that is rated the second most frequent among white collar crimes. Padding of claim amount is the most significant of insurance fraud types and its causes explain the involved social attitudes. Miyazaki (2009 p. 595) explains the role of payable amounts in premiums as a facto towards padding of the number of claims. According to the author, high payable amounts motivate policyholders to pad amount in claims that they perceive to be fair to the amount they paid. This induces a moral justification and establishes padding as a social norm that seeks to reclaim the right value from the insurer. Policyholders with high ethical standards are, however, less susceptible to the moral compromise because of the amount paid in premiums. Consequently, insurance fraud depends on personal morality, a social factor (Miyazaki 2009, p. 595, 596). Report by Insurance Research Council supports the notion of learned behavior into insurance fraud and the role of a person’s social environment.
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