third-party insurance

Insurance frauds are one of the most harmful concerns of insurers and policyholders in all insurance products. One of the most important factors affecting insurance fraud in this research is religiosity, individualism, social welfare and trust .Frauds cause mistrust and disintegration of the social and economic system.The purpose of this research is to investigate social factors affecting third party insurance frauds. This research is based on a mixed approach applying a exploratory approach.In the qualitative part,the statistical population included all experts in the field of insurance and economic sociology which reached the saturation limit of 26 experts using the purposeful and Snowball sampling method. In the quantitative part, the statistical population includes 4,652,510 third-party insurance policyholders in Tehran,which 384 individuals were selected as a sample by cluster sampling method.The validity of a questionnaire was confirmed by the face validity method and its content and reliability was confirmed by using Cronbach’s alpha method.The qualitative data analysis was done through thematic analysis method and the quantitative data was done through confirmatory factor analysis method with the aim of Amos 21 computer software. Among the social factors, social welfare, trust, religiosity and individualism are respectively -0.56, -0.52, -0.43 and 0.36 directly and religiosity with factor load (-0.447) indirectly from the model have supported the measurement. According to the findings of the qualitative part of the research, a total of 57 basic themes,19 organizing themes, and 4 overarching themes(social welfare, trust, religiosity and individualism) have been identified that could be effective on third party insurance frauds.

The purpose of this study is to provide a sociological analysis of abortion occurrences with the aim of investigating factors cited by insurance companies about pregnant women. A qualitative research method has been used to gather field information and its tools are based on documents and files of interviews conducted with a number of women swindlers and their accomplices as well as experts and traffic police. The statistical population is 138 files of related documents, of which 15 were selected by a simple random sampling. There are also 58 women swindlers, gang associates, experts and traffic police officers who were purposefully selected to saturate the data and in-depth semi-structured interviews were conducted with them. Validity and reliability were obtained based on the views of Marshall and Rasuman (1998). Due to the quality of the work, the analysis method was performed simultaneously with data collection, open and axial coding and compression by designing basic and mediating themes and then the main themes by using Max Qioda software. The results showed that individual, family, social, economic, political and cultural aspects are influential and motivating factors for criminals, but the most important can be economic and poverty. Also, fraudsters, by knowing and exploiting the weaknesses and legal gaps and sometimes using non-Iranians (Afghans), poor families, forged and prepared identity cards and obtained them through responsible people and infiltrating government agencies and insurance companies.

research of determining the effectiveness of theissuance of third-party insurance based on driver's characteristics in theprevention of accidents has been done in Iran country. Scientific researches ontraffic accidents and their causes indicate that the human factor has asignificant difference in the incidence of accidents, compared with otherfactors. In other words, human and his mistakes can be considered as the mostimportant reason for a driving accident. Thus, many years ago, in manycountries around the world, stringent regulations and regulations on theissuance of third-party insurance have been introduced based on driverattributes for applicant. The general objective of this study is the effectivenessof the issuance of third-party insurance on the basis of driver's characteristicsin preventing accidents.

this research is practical in type of aim and descriptive-analytical intype of method in terms of survey. The statistical population of this study wasexperts and specialists in traffic and insurance and snowball method was usedfor statistical selection. For this purpose, three linear models for totalaccidents, high-risk driving violations and fatal accidents have been developedusing generalized linear regression modeling.

results of this study show that the history of driver accidents, historyof high-risk driving violations, driver's occupation and strict rules so thatmakes it difficult to renew insurance policy ,variables related to the issuance ofinsurance policies are based on the driver's attributes, which have a seriouseffect in reducing accidents.Discussion and

Studies have shown that in almost all cases, theimplementation and enforcement of such laws have had a positive impact onthe reduction of accidents. This article evaluates this claim

Today, we see more and more of the interaction between criminological teachings and the various areas of criminal science found in new laws. Of these, Of these, the Compulsory Insurance Act provides for damages to third parties for accidents caused by vehicles approved in the year 1395, when the legislator has taken steps to adopt and operate preventive criminological teachings, albeit shakily. The purpose of this paper is to examine the social prevention approach of  driving crimes and violations in the light of a third-party insurance institution. In this regard, efforts are being made to analyze its legal principles and effects. Indeed, the main question of the research is how can a third-party insurance institution have a proactive approach to crime?
Findings of the research indicate that the basis for interaction between this institution and social prevention of crime can be social co-operation, distribution of disadvantages in society and participation of civil society in crime prevention. The types of prevention include the prevention by culture, the development or limitation of social and legal protection of the insurer and the utilization of the capacity of the local community. The analysis of the legislature's discourse in this area reflects the emergence of new approaches to prevent driving crimes and violations.