Страховым компаниям в РФ позволят сотрудничать с частными детективами в области расследования мошеннических страховых случаев. Такая информация содержится в проекте нового закона «О частной детективной деятельности». По мнению инициаторов разработки закона, среди которых и Всероссийский союз автостраховщиков, частный детектив более свободен в действиях, нежели штатный сотрудник страховой.
Напомним, в грядущей редакции ФЗ (и Уголовно-процессуального кодекса) частным детективам предполагается дать особый правовой статус и вменить права на проведение оперативно-розыскной деятельности. В такой ситуации сыщик сможет проводить опрос сторон инцидента, обращаться в государственные органы за разъяснениями и справками, собирать документы для возбуждения уголовного дела.
В настоящее время практически в каждой страховой компании есть отдел урегулирования убытков и (или) андеррайтинга. Как правило, там работают бывшие сотрудники правоохранительных органов, ведущие расследование страховых случаев в меру должностных обязанностей. Однако у них нет прав на ведение оперативно-розыскной деятельности, поэтому мошенникам удается, как минимум, уйти от ответа.
Если говорить о правоохранительных органах, то они вообще очень неохотно берутся за страховое мошенничество и не сотрудничают с «частниками». Для ОБЭП эти дела «мелки», а у участковых зачастую нет компетенции. Наконец, для сбора доказательств необходимо возбуждение уголовного дела — в противном случае их могут признать как полученные незаконно. Очевидно, что частный детектив с реальным опытом ОРД это «золотая середина» для страховщика.
Добавим, в последнее время в России были озвучены сразу важных финансовых момента. Так, Дмитрий Медведев предложил ввести в стране базовый доход, а с 2022 года в РФ может появиться единый налоговый платеж для ИП и ООО, а адвокатов могут приравнять к прокурорам.
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