Seguro de automóvel: Análise dos sistemas de prevenção a fraudes
Data
2021-02-13
Autores
Fiorante, Vitor Teixeira 
Orientadores
Sampaio, Joelson Oliveira
Tipo
Trabalho de conclusão de curso
Título da Revista
ISSN da Revista
Título de Volume
Resumo
O seguro automotivo, assim como os demais seguros, funciona com o objetivo de dividir o risco de um eventual prejuízo individual entre um número maior de pessoas, ou seja, a criação de um fundo comum com a função de mitigar os riscos, mediante um valor pago por todos os segurados, com capacidade de cobrir todas as despesas. Desta maneira, é possível dizer que o pagamento de indenizações indevidas, cria um prejuízo em toda a
carteira. Diante desse cenário de perda, o objetivo principal dessa monografia é identificar a eficácia dos sistemas de detecção de fraude, utilizando os dados da Confederação Nacional das Seguradoras (CNseg). Foram analisados os dados de sinistros e fraudes do ramo automóvel de 2013 até 2019, junto com o levantamento de informações através de referências bibliográficas. Os resultados que foram obtidos por meio de análise descritiva dos dados, tendo sido verificado, que o percentual entre as fraudes comprovadas em relação o total de sinistros ocorridos no mesmo período, aumentou Consideravelmente de 1,19% para 2,14%, do ano de 2015 para 2019 respectivamente, um aumento percentual de cerca de 80%, mas existe uma diferença considerável entre as fraudes detectadas e comprovadas,
demonstrando assim uma dificuldade que as seguradoras tem em levar esses casos adiante. Os dados encontrados sugerem um padrão, visto que a revisão da literatura informa que as
fraudes podem chegar a 30% do total dos sinistros no Brasil, por esse motivo, é confirmada a hipótese de que as seguradoras estão detectando mais fraudes. Este trabalho pode servir de base para que trabalhos futuros explorem melhor os motivos para as seguradoras brasileiras demorarem para aderir à tecnologia de prevenção e detalhar o quão prejudicial é para a sociedade possuir gastos elevados com fraudes.
Automotive insurance, like any other insurance, works with the objective of dividing the risk of an eventual individual loss among a greater number of people, that is, the creation of a common fund with the objective of mitigating risks, through a value paid by all policyholders, capable of covering all expenses. In this way, it is possible to say that the payment of undue restitutions creates a loss in the entire portfolio. Taking this into account, the main objective of this monograph is to identify the effectiveness of fraud detection systems, using data from the National Confederation of Insurance Companies (CNSeg). Automobile claims and fraud data from 2013 to 2019 were analyzed, along with bibliographic references. The results that were obtained through descriptive data analysis, have verified that the percentage among the proven frauds in relation to the total number of claims occurred in the same period, increased considerably from 1.19% to 2.14% from 2015 to 2019 respectively, a percentage increase of around 80%. However, there is a considerable difference between the detected and proven frauds, thus demonstrating the difficulty that insurers have in taking these cases forward. The data found suggest a pattern, since the literature review reports that fraud can reach 30% of total claims in Brazil, for this reason, the hypothesis that insurance companies are detecting more fraud is confirmed. This work can serve as a basis for future work to better explore the reasons why Brazilian insurers are taking too long to adhere to prevention technology and details how harmful it is for society to have high spending on fraud.
Automotive insurance, like any other insurance, works with the objective of dividing the risk of an eventual individual loss among a greater number of people, that is, the creation of a common fund with the objective of mitigating risks, through a value paid by all policyholders, capable of covering all expenses. In this way, it is possible to say that the payment of undue restitutions creates a loss in the entire portfolio. Taking this into account, the main objective of this monograph is to identify the effectiveness of fraud detection systems, using data from the National Confederation of Insurance Companies (CNSeg). Automobile claims and fraud data from 2013 to 2019 were analyzed, along with bibliographic references. The results that were obtained through descriptive data analysis, have verified that the percentage among the proven frauds in relation to the total number of claims occurred in the same period, increased considerably from 1.19% to 2.14% from 2015 to 2019 respectively, a percentage increase of around 80%. However, there is a considerable difference between the detected and proven frauds, thus demonstrating the difficulty that insurers have in taking these cases forward. The data found suggest a pattern, since the literature review reports that fraud can reach 30% of total claims in Brazil, for this reason, the hypothesis that insurance companies are detecting more fraud is confirmed. This work can serve as a basis for future work to better explore the reasons why Brazilian insurers are taking too long to adhere to prevention technology and details how harmful it is for society to have high spending on fraud.