STRUČNI RAD
Procedura vršenja i pristupa procjeni oštećenom vozilu u saobraćajnoj nezgodi
Tihomir Đurić1, Drago Dujaković2
1dipl. inž. saobraćaja, Saobraćajni fakultet u Doboju, Doboj, Bosna i Hercegovina, mrdjtiho@teol.net
2dipl. inž. mašinstva, „Nešković Osiguranje“ A.D. Bijeljina, Poslovna jedinica Banja Luka, Banja Luka, Bosna i Hercegovina, dragodujakovic@live.com
Rezime: Cilj ove procedure i opisanih postupaka, kao i definisanje istih, je pravovremeno pristupanje proceni i obešteće- nju oštećenih, kao i izbegavanje mogućih prevara i podmetanja osiguravajućim kućama, iznude i ostvarivanja materijalne koristi kao i nezakonito ostvarivanje dobiti (profita) od strane oštećenih, tj. onih koji prijavljuju štetu na motornim vozi- lima. Isto tako da bi se izbegli nepotrebni sudski procesi oko utvrđivanja kako visine odštete tako i oko verodostojnosti samih oštećenja i njihovog nastanka.
Ključne reči: procedura i procena štete, prevare u osiguranju, analiza oštećenja.
Procedure of Conduct of and Approach to the Assessment of Vehicle Damaged in a Traffic Accident
Tihomir Đurić1, Drago Dujaković2
1Bachelor of Traffic Engineering, the Faculty of Transport and Traffic Engineering in Doboj, Doboj, Bosnia and Herzegovina, mrdjtiho@teol.net
2Bachelor of Mechanical Engineering, “Nešković Osiguranje” A.D. Bijeljina, Establishment Banja Luka, Banja Luka, Bosnia and Herzegovina, dragodujakovic@live.com
Abstract: Comparative analysis of vehicles damaged is a fundamental method for clarifying traffic accidents fraud. Accu- rate and detailed analysis of the vehicle damage indicates whether the vehicle damage matched of the force intensity and direction. This comparasion method is the most effective way to identify trafficaccident fraaud or attempted fraud in the field of auto insurance liability. Performance disclosure traffic accidents fraud solely dependent on knowledge models occurrence of such accidents. The aim of the paper is to present different situations related to traffic accidents fraud, in order to work an expert in this cases would be more accurate and reliable answers given to the court and the parties.
Key words: traffic accidents fraud, insruence fraud, analysis of vehicles demage