Criminal Prosecution for Insurance Fraud in Rotterdam

Insurance fraud in Rotterdam falls under Articles 326 and 359 of the Dutch Criminal Code: fraud and forgery. Maximum penalty: four years' imprisonment and €90,000 fine. The Public Prosecution Service in Rotterdam applies a 90% transaction guideline for minor cases, but prosecutes systematic fraud in the port city. Evidence: witnesses, forensic investigation and data exchange via FIOD and regional teams. Insurers report via the National Insurance Fraud Reporting Centre, with intensive cooperation with Rotterdam police. Victims of fraudulent claims, often local entrepreneurs, are recognised as injured parties with speaking rights. The Court of Appeal of The Hague, competent for Rotterdam, confirmed in 2023 that simulating injury in workplace accidents is severely punishable. Civil ne bis in idem does not apply; parallel proceedings at the Rotterdam District Court possible. Recovery of fines and compensation via WM3 rules. Prevention through education by Port of Rotterdam Authority and AI detection for logistical fraud. Annually 1,500 reports in Rotterdam region, with €30 million damage from import fraud. Suspects have right to counsel and evidence request at the Rotterdam District Court. International fraud via the port affects extradition treaties with Antwerp. This regime effectively discourages abuse in the Rotterdam economy. (212 words)