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Title: El problema del fraude en el sistema SOAT. Estudio del caso Colombiano 1988 – 2016
Authors: Martínez Mayorga, Sebastián
Allianz Seguros S.A.
Keywords: Accidentes de tránsito
Industria Aseguradora
Seguros de automóviles
Seguros contra accidentes
Issue Date: 2017
Publisher: Escuela Colombiana de Ingeniería Julio Garavito
Abstract: This research examines the consequences precipitated by the issue of fraud on the SOAT insurance system in Colombia from 2008 to 2016. The insurance market structure is analyzed by studying a range of potential scenarios from a withdrawal of the insurance companies in the industry to a complete absence of insurance policies and regulation, thus generating increasing health and safety risks for individuals involved in traffic accidents. The scenarios presented are as follows: 1. The currently established market structure composed of 13 insurance agencies. 2. A concentrated market of 7 insurance agencies due to the absence of agencies with lesser participation in the issuance of policies. 3. A unique structure in which all insurance policies are managed by a single agency. 4. A context in which there is a nullified market structure due to the complete absence of insurance policies and regulation. Additionally, this analysis is conducted using industrial, organizational indexes such as HHI, HTI, CCI among others which help determine the exposure that SOAT and its network has to elements of fraud, particularly: irregularities in indemnisations of mandatory insurance policies; the correlation between the increase of motorcycle use and the growth of fraud; the scarce diversification of insurance policy portfolios offered by insurance agencies certified to issue SOAT policies.
Appears in Collections:AA - Trabajos de Grado Economía

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AA-Trabajos de Grado Economía-1032462129.pdfTrabajo Práctica Investigativa (Fraude SOAT) - Martínez Mayorga, Sebastián1.17 MBAdobe PDFView/Open
autorización.pdfAutorización Trabajo Práctica Investigativa (Fraude SOAT) - Martínez Mayorga, Sebastián418.32 kBAdobe PDFView/Open

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