Best Insurance Fraud Lawyers in Neubrandenburg

About Insurance Fraud Law in Neubrandenburg, Germany

Insurance fraud is a criminal offense in Neubrandenburg, as in the rest of Germany. It involves deliberately deceiving an insurance company or falsifying information to gain a financial benefit that a person is not entitled to receive. Insurance fraud can occur in various formats, including falsified claims, exaggeration of damages, staged incidents, or providing false information when applying for insurance. The German Penal Code (Strafgesetzbuch, StGB) regulates insurance fraud under section 263 and related laws, emphasizing that attempts to deceive insurance companies are prosecutable offenses.

Why You May Need a Lawyer

Legal support is highly advisable if you are accused of, investigated for, or a victim of insurance fraud. Common situations where legal representation is beneficial include:

• If you are being questioned by authorities or insurers regarding a suspicious claim.
• If you have received a notice of investigation or criminal complaint.
• If your insurance claim has been denied due to suspected fraud, but you believe this is unjustified.
• If you believe someone else has committed fraud involving your personal or business insurance.
• If you need guidance on the consequences of insurance fraud allegations or the relevant legal processes.
• If your assets have been seized or are under threat as a result of proceedings.
• If you require negotiation with insurers or need legal defense in court.

Local Laws Overview

In Neubrandenburg, insurance fraud is prosecuted under national German law, specifically the German Penal Code (StGB). Key aspects relevant to insurance fraud include:

• Section 263 StGB (Fraud): Penalizes anyone deceiving another to their own benefit or to another's detriment, including insurance matters.
• Insurance Contract Law (VVG): Sets expectations for truthfulness and full disclosure when applying for and claiming insurance.
• Both attempted and successful fraud are punishable offenses.
• Punishments can include fines, criminal records, and imprisonment, depending on severity.
• Insurers often conduct their own investigations before involving police or legal authorities.
• For minor cases, penalties may include warnings or settlement; for severe cases, court proceedings and incarceration are possible.
• Local authorities in Neubrandenburg investigate in conjunction with state and federal agencies.

Frequently Asked Questions

What exactly counts as insurance fraud in Neubrandenburg?

Insurance fraud includes any deliberate misrepresentation, false statement, or act intended to obtain benefits from an insurance company which a person or business is not entitled to. This covers falsified claims, inflating damages, or lying on applications.

What are the legal consequences of insurance fraud?

Penalties can include fines, criminal records, or imprisonment. Serious or repeated offenses receive harsher penalties. There can also be civil consequences, like being ordered to repay any funds received fraudulently.

Can I be investigated for insurance fraud without being guilty?

Yes. Investigations often begin when an insurance company notices irregularities. Being investigated does not mean you are guilty or will be convicted, but you should seek legal advice immediately.

What should I do if I am contacted by the police or my insurer about a suspected fraud?

Remain calm and avoid making statements before consulting a lawyer. A lawyer can help you understand your rights and guide you on how to respond to allegations appropriately.

Are there defenses against insurance fraud charges?

Yes. Possible defenses include proving lack of intent, demonstrating the claim was legitimate, or that there was a misunderstanding or clerical error. A lawyer can assess which defense is applicable in your case.

Is attempting to commit insurance fraud also illegal?

Yes. Even if you do not succeed in defrauding an insurer, attempting to do so can still result in criminal charges and penalties under German law.

Does insurance fraud only apply to large claims?

No. Insurance fraud laws apply regardless of the claim amount. Even small or seemingly insignificant fraudulent acts are taken seriously.

What is the statute of limitations for insurance fraud in Germany?

Generally, the statute of limitations for insurance fraud is five years, but this can vary depending on the specifics of a case and the severity of the offense.

Can an insurance company deny all my claims because of suspected fraud?

If an insurer believes there was fraud, they may deny the specific claim and, in some cases, terminate the policy. However, you have the right to contest this and should consult a lawyer.

How can I protect myself against being falsely accused of insurance fraud?

Always provide truthful, accurate information to your insurer. Maintain thorough documentation of claims and correspondence, and consult a lawyer if you anticipate any issues.

Additional Resources

If you need further information or support, consider contacting or consulting the following resources:

• Local Law Firms: Many firms in Neubrandenburg specialize in criminal and insurance law and offer consultations.
• Neubrandenburg Police Department (Polizei): For official inquiries and to report suspected fraud.
• German Insurance Association (GDV): Offers information on insurance policies and consumer rights.
• Consumer Advice Center Mecklenburg-Vorpommern (Verbraucherzentrale): Provides guidance on insurance matters and legal rights.
• Local Courts (Amtsgericht Neubrandenburg): Information about legal proceedings and public records involving insurance fraud cases.

Next Steps

If you are facing an insurance fraud issue in Neubrandenburg:

1. Do not ignore the situation. Promptly address any legal notice, insurer inquiry, or police contact.
2. Contact a qualified lawyer specializing in insurance fraud or criminal law. They will offer a confidential assessment and guide your response.
3. Collect and organize all relevant documentation, including policies, correspondence, and records of the incident or claim.
4. Do not make statements or sign any documents without legal counsel.
5. Consider reaching out to consumer advice centers or professional insurance advocacy organizations for additional support.
6. Follow your lawyer’s advice throughout the process, attend all required meetings or court dates, and stay fully informed about your rights and options.