Insurance fraud

Legal defence in insurance-fraud cases

Insurance fraud (Article 245 of the Criminal Code) has distinct forms. Destroying, damaging, rendering unusable, concealing or disposing of insured property to obtain the insured sum is punishable by 1–5 years’ imprisonment. Simulating, causing or worsening one’s own injuries for the same purpose carries 6 months–3 years or a fine. Not every generic exaggeration of a claim automatically falls within this provision. The article permits reconciliation; it does not establish a prior-complaint requirement. A lawyer can examine the form of the allegation, policy and technical documents before selecting a strategy.

Technical simulations and defence strategies

We analyse the cause of damage or injury, the alleged conduct and the purpose of obtaining the insured sum. A loss adjuster’s report has no predetermined evidential value. We may formulate issues and objections, request supplementary or fresh expert assessment ordered by the judicial authority and participation of an expert recommended by a party under the legal conditions. Simply appointing this expert does not replace the court-appointed assessment. For reconciliation, we check Article 245(3) and the requirements of Article 159; negotiation and payment do not automatically terminate proceedings, and withdrawal of a report is not the prior-complaint mechanism. A technical defence can challenge speculative conclusions and support the correct classification or outcome.

Legal assistance and representation in Focșani and Vrancea County

Suspicions of motor-insurance fraud in RCA or Casco claims or suspicious fires at insured properties can trigger rapid criminal investigations, with the risk of marathon interviews and computer or home searches. The office of Lawyer Basuc Cosmin in Focșani offers specialist legal assistance in insurance-fraud cases in Vrancea county. We assist during interviews before criminal investigation authorities and extensive prosecutors’ checks, represent you in dealings with insurance companies’ lawyers and provide a dynamic defence at trial before Focșani District Court or Vrancea prosecutors’ offices, working to protect your liberty and rights.