Lowry, JP;
(2017)
Insurance Fraud and the Role of the Civil Law.
The Modern Law Review
, 80
(3)
pp. 525-539.
10.1111/1468-2230.12269.
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Abstract
Two UK Supreme Court decisions have considered insurance fraud. The first, Versloot Dredging BV v HDI-Gerling Industries Versicherung (The DC Merwestone), concerned the use of a fraudulent device being harnessed to support a legitimate claim which, in the view of the majority, was an area of insurance law in need of re-evaluation. The second, Haywood v Zurich Insurance Co, concerned the use of fraud to increase the settlement paid by the insurer and whether an insurer, which suspects fraud but has nevertheless chosen to settle a claim, is entitled to set aside the settlement under the tort of deceit where it subsequently discovers proof that it was in fact fraudulent. This case note examines not only the legal implications of the decisions and their likely impact on industry practice, it also focuses on the broader issue of the proper province of the civil law and whether general deterrence can be justified as a proper objective where the criminal law is deficient in punishing fraud because of its higher standard of proof.
| Type: | Article |
|---|---|
| Title: | Insurance Fraud and the Role of the Civil Law |
| Open access status: | An open access version is available from UCL Discovery |
| DOI: | 10.1111/1468-2230.12269 |
| Publisher version: | http://dx.doi.org/10.1111/1468-2230.12269 |
| Language: | English |
| Additional information: | This version is the author accepted manuscript. For information on re-use, please refer to the publisher’s terms and conditions. |
| UCL classification: | UCL UCL > Provost and Vice Provost Offices UCL > Provost and Vice Provost Offices > UCL SLASH UCL > Provost and Vice Provost Offices > UCL SLASH > Faculty of Laws |
| URI: | https://discovery-pp.ucl.ac.uk/id/eprint/1532058 |
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