Insurance fraud, case of Albania

Abstract

This paper studies the reasons why the people try to cheat and fraud on insurance companies in Albania. It is represents an overview from the first time of fraud phenomen started. It is showed by the results of the survey how individuals in Albania behave and how do they percept the insurance companies. The survey is conducted on Albanian citizens in the five largest cities. Insurance fraud is a global criminal phenomen, sometime is a part of the companies themselves, and unfortunately we find that it is the case of Albania also. The study approaches into a flat view, analyzing the insurance fraud such as an integral part of financial crime, sometimes as a part of mafia network, sometime as a factor that, but has made deeper the global criminal crisis and the Albanian crisis.