Instrumenty poprawiające efektywność procesów związanych z dochodzeniem wierzytelności ubezpieczeniowych

Abstract

The investigation of insurance debts, ie, unpaid premiums, and insurance subrogation, is an important issue in the insurance business. The importance of issue was confirmed by the legislature – according to the law on insurance activity, collecting of insurance debts is among insurance operations. To achieve the aim of debt collecting, insurance companies look for tools to improve the efficiency of proceedings. Economic information bureau and a process of debt securitization of insurance with an investment fund are good examples of the instrument to improve the efficiency. The threat of transmission of an information about a debtor to an economic information bureau makes a debtor more willing to pay a debt. The main reason is difficulty in obtaining credit when a debtor is recorded in an economic information bureau. Information about a debtor may be forwarded to an economic information bureau in cases strictly defined by law. It is not allowed to inform an economic information bureau about a debtor who doesn’t pay an insurance subrogation. The purpose of the securitization of insurance debt is to improve the cash flow of a insurance company as well as financial indicators of a insurance company.