Some insurance companies settle their claims without medical report to prove their injuries


Some insurance companies settle claims for bodily injury without medical report proving that the injuries have occurred, said the state minister responsible for the region.

Michael D'Arcy, Minister of State at Department of Finance with special responsibility for insurance, has Irish time He found different approaches to the payment of separate "frustrating" insurance company indemnities, with some awarding allowances too easily to claimants and others too strong.

"What I find frustrating – and I've met all the major players in insurance here individually – is that I find business models very diverse," he said. "I find the settlement channels incredibly diverse.

"I give an example of society A. I will not name them – it is their model in terms of regulation – they will settle down without a medical report. And then Society Z, on the other side of the spectrum, even if someone has been very clearly affected, they will fight you at every step.

"Now, I think company A is wrong in that, and I think company Z is wrong, and everyone works in between. It's about trying, when you see transparency and information, to see exactly what happened. "


At present, medical certificates confirming that claimants have been injured could become mandatory in insurance cases as part of efforts to reduce costs in the sector.

D'Arcy said the long-awaited national database, tracking insurance applications, would be operational by the end of the year.

The database is designed to better understand the impact of claims costs on automobile insurance premiums and is part of an overall strategy to address escalating costs.

the central bank (National Claims Database) Bill 2018 has gone through all stages of the process. Oireachtas before Christmas and waits for the signing of President Michael D Higgins.

Mr D'Arcy said the database would be operational by the second half of this year, when the Central Bank will have completed the review of claims in the previous decade, as well as the first six months of 2019.

Medical certificate

The information available at the launch of the database will allow the government to make any policy changes it deems necessary to reduce the cost of insurance. The possibility of ensuring that all those who receive insurance benefits for bodily injury claims must have a medical certificate is such an idea, said D'Arcy.

"If I see companies setting up without medical reports, well, a political decision is potentially to be made for the government. A medical report may be prepared for each regulation.

"It could be – I'm just using it as an example. If I see too much money paid too easily and too quickly, it is something we need to look at. To date, we have no view of settlement channels. I do not know what's going on, which is remarkable. We'll have that at quarter to three [of 2019]. "

The data being compiled will not be broken down by company, but will consolidate the details of the entire sector.

"This will be aggregated data, so I will have a percentage of the data," said D'Arcy. "So if 40% of medical claims are settled without a medical report, there will be a problem."

Fraudulent claims

A separate database of all insured drivers, aimed at targeting fraudulent insurance claims, has been implemented in some areas of the country.

It has been formulated with the help of information provided by insurance companies and is part of a new Garda program aimed at uninsured drivers using wearable devices to scan the plates. 39, registration. It is understood that this system works in the regions of the country where the gardaí have the required technology.