What is the personal injury fraud register in Tilburg?
The **personal injury fraud register** is a national register in which insurers and authorities record suspects of fraud in personal injury claims. This system comes from the **Central Fraud Unit for Personal Injury (CFEL)** and serves to detect and combat fraud, also in regions such as Tilburg. If your name is in it, this can affect your claim or policy. It protects the reliability of personal injury claim handling.
Legal basis and purpose in Tilburg
The personal injury fraud register is not based on one specific law, but on covenants between insurers, the Dutch Association of Insurers (NVV) and the CFEL. In Tilburg, the CFEL collaborates with the Ministry of Justice and Security and the Financial Markets Authority (AFM) for fraud prevention.
Important laws:
- Personal Injury Compensation Act (Wsl): Sets rules for personal injury compensations and obligations of involved parties.
- Financial Supervision Act (Wft): Focuses on integrity and fraud in the insurance sector.
- General Insurance Terms and Conditions (AVB): Determine steps in cases of suspected fraud.
How does the personal injury fraud register function?
This is a **closed database** for insurers to screen claims for fraud. It is not public, but accessible to insurers for new files in Tilburg and elsewhere.
Process steps
- Detection: Insurer or authority reports suspicion to CFEL.
- Analysis: CFEL checks with files, statements or evidence.
- Registration: In case of concrete indications, you or your claim enters the register.
- Application: For future claims in Tilburg, the insurer consults the register and may reject.
Practical examples
Example 1: Fabricated medical information
Case: Peter from Tilburg claims injury after a fall, with back pain. Insurer finds false reports; the mentioned specialist does not exist. Outcome: Report to CFEL, registration follows. New claims are refused.
Example 2: Double payouts
Case: Lisa claims from two insurers for one incident in Tilburg, without notification. Outcome: Discovered via CFEL, registration. Future claims risky.
Rights and obligations
Rights
- Information: Request from insurer or CFEL whether you are registered. For help: Legal Aid Office Tilburg, Spoorlaan 364.
- Objection: Explain in case of wrongful entry for removal.
- Advice: Engage a personal injury lawyer for your claim.
Obligations
- Openness: Provide complete, honest information to insurers to avoid suspicions.
- Cooperation: Cooperate in investigations to refute fraud claims.