A second episode of our Fraud Hunters podcast was released on November 15, 2023. In the latter, Marc de Beaucorps, CEO of Finovox, interviews Maxime Debiesse, Insurance investigator and Legal Expert in Document Analysis registered with the Lyon Court of Appeal.
In this forty-minute exchange, Maxime Debiesse returns in particular to his role as an investigator with insurance companies, the opportunity for him to share cases of fraud that he could see, in the front row, in the middle.
Find below an extract from this interview.
“There is confusion in the role of the insurer”
Maxime Debiesse: What often shocks me, or what I find crazy, are the risks that fraudsters take. The risk of the fraudster who will completely simulate a claim with the sole aim of improperly collecting funds and then laundering them… is not that impressive. Finally, the montages are sometimes impressive, especially when they are organized. But that's not the most impressive thing.
What impresses me the most is when we have a real disaster, when we respond to a house fire or a drought, for example. In the checks that the company asks of us, in a claim worth more than 500,000 euros, we have a false invoice for 10,000 euros. Because the insured said: “I want more”. For what ? Why ? For multiple reasons, which are not understandable, but for him admissible. “I pay, so the insurance must pay me… They don't give me enough for this thing so I want more”.
Marc de Beaucorps: Here, what are we talking about, a fraud of 2% of the amount, is that it?
Maxime Debiesse: So. And we find ourselves not being compensated and it's completely crazy. Because the consequences are enormous for the insured, indeed. Afterwards, he committed fraud, I hear. But what I mean is that he does not realize in the reflection beforehand, and especially the role of insurance.
There is really enormous confusion and this confusion is still circulating on the networks, we see it. There is confusion in the role of the insurer who supports people in disasters, who compensates them in relation to the guarantees which are taken out. Insurance is not there to make money. We are not here to make money following a disaster. The goal is not to get rich. The goal is to reduce what is happening, to be able to get your head above water and to be supported.
That's why, when I see claims exaggerated thanks to false invoices, yes, I find it crazy.
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