A second episode of our Fraud Hunters podcast was released on November 15, 2023. In the latter, Marc de Beaucorps, CEO of Finovox, interviewed Maxime Debiesse, Insurance Investigator and Legal Expert in Document Analysis registered at the Lyon Court of Appeal.
In this 40-minute exchange, Maxime Debiesse returns in particular to his role as an investigator with insurance companies, an opportunity for him to share Fraud cases that he could see, in the front row, in the middle.
Below is an excerpt from this interview.
Maxime Debiesse: What often shocks me, or what I think is crazy, are the risks that fraudsters take. The risk of a fraudster who will completely simulate a disaster in order to improperly collect funds and then launder them... is not that impressive. Finally, the montages are sometimes impressive, especially when organized. But that's not the most impressive.
What impresses me the most is when there is a real disaster, when you intervene in a house fire or a drought, for example. In the checks that the company asks us, in a claim worth more than 500,000 euros, we have a false invoice of 10,000 euros. Because the insured said: “I want more.” Why? For what reason? For multiple reasons, which are not understandable, but for him admissible. “I pay, so the insurance has to pay me... They don't give me enough for something so I want more.”
Marc de Beaucorps: Now, what are we talking about, a fraud of 2% of the amount, right?
Maxime Debiesse: There you go. And you end up not being compensated and that's completely crazy. Because the consequences are enormous for the insured, in fact. Afterwards, he cheated, I hear. But what I want to say is that he does not realize in the initial reflection, and especially the role of insurance.
There is a really huge amount of confusion and this confusion is still circulating on the networks, as we can see. There is confusion in the role of the insurer who accompanies people in claims, who indemnifies them in relation to guarantees that are taken out. Insurance is not there to make money. We are not here to make money after a disaster. The aim is not to get rich. The goal is to reduce what is happening, to manage to get your head out of the water and to be accompanied.
That's why, when I see exaggerated claims thanks to fake invoices, yes, I think it's crazy.
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