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EN
For many years we have observed the occurrence of extorting compensation from insurance companies. The scale of it is not fully identified. Despite the enormous effort to combat with this phenomenon, the size of it is still growing. The article discusses the reasons for this phenomenon, especially motivation and tendency of the insured to fraud. It also presents the economic consequences of the phenomenon for insurance companies.
EN
Theoretical background: Researching insurance crime in terms of its perception by students makes it possible to gain knowledge about their interpretation skills, as well as identify attitudes towards insurance frauds. This article supplements the Polish literature on the phenomenon which is a significant dysfunction in the insurance sector. Purpose of the article: The main aim of this article is to analyse the perception of insurance crime according to research conducted among students. Moreover, additional auxiliary goals were formulated: 1. Determining the level of knowledge of the respondents about insurance crime. 2. Analysing the attitudes of the respondents towards the phenomenon of insurance crime. Research methods: The paper presents the results of a preliminary study in which a survey was conducted in the form of a questionnaire. In order to verify the posed research question and to achieve the aims defined in this article, a survey was conducted among students at the University of Szczecin. An original questionnaire was used for the study, which was distributed to 11,000 university students. The research was conducted in the period from January to February 2022. The questionnaire was completed by 416 respondents, which makes it possible to conclude that the survey is representative. The questions in the questionnaire concerned students’ knowledge of the phenomenon of insurance crime and its perception by the surveyed group of respondents. The survey results were analysed as a whole, and then presented and described. Main findings: The research results presented in the article show that the surveyed group of respondents was mostly characterized by an average level of awareness of the phenomenon of insurance crime. In this context, it seems necessary that all insurance entities and institutions make constant efforts to raise the level of insurance awareness of the society about the phenomenon of insurance crime. A significant role in shaping and developing awareness in this area is played by insurance education, which should take place on several levels (didactic, social, institutional).
Kościół i Prawo
|
2020
|
vol. 9 (22)
|
issue 2
207-215
EN
In the first years of the existence of an independent Polish state, the obligation to insure church real estate against fire was maintained and then extended to new areas. This category of buildings was separated along the way of the works on the new system. A new tariff was set up and a lower payment was charged for signed up contracts. These preferential requirements for calculating contributions follows from the highest resistance of church buildings to the risk of fire. Both the material from which the church properties were built, and their location and resistance to other factors increasing the risk of a fire caused the fact that church buildings were very rarely damaged. Thanks to good financial results in this section, the insurance industry was able to offer better conditions to less affluent clients, which contributed to the improvement of the situation of the poorest people.
PL
W pierwszych latach istnienia niepodległego państwa polskiego utrzymano, a następnie rozszerzono na nowe tereny, obowiązek ubezpieczania nieruchomości kościelnych od ognia. Ta kategoria budynków została w toku prac nad nowym systemem wyodrębniona. Stworzono dla niej nową taryfę i pobierano niższą składkę z tytułu podpisanych umów. Te preferencyjne warunki naliczania składek wynikały z największej odporności budowli kościelnych na ryzyko pożaru. Materiał, z którego budowano nieruchomości kościelne, ich umiejscowienie oraz odporność na pozostałe czynniki zwiększające niebezpieczeństwo wybuchu pożaru sprawiały, iż budynki kościelne ulegały zniszczeniu bardzo rzadko. Dzięki dobrym wynikom finansowym w tym dziale branża ubezpieczeń mogła oferować lepsze warunki klientom mniej zamożnym, co przyczyniło się do poprawy sytuacji osób najbiedniejszych.
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