Criminal Prosecution for Insurance Fraud in Utrecht

In Utrecht, insurance fraud 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 the District of Midden-Nederland applies a 90% transaction guideline for minor cases, but prosecutes systematic fraud, such as in the recent Utrecht bicycle theft and injury claims. Evidence: witness statements, forensic investigation by the regional FIOD unit in Utrecht, and data exchange with local insurers. Insurers report via the National Insurance Fraud Reporting Centre, with intensive cooperation with Utrecht police. Victims of fraudulent claims, often local entrepreneurs, are recognised as injured parties with speaking rights at the District Court Midden-Nederland. The Court of Appeal Arnhem-Leeuwarden (for Utrecht) confirmed in 2023 that simulation of traffic injuries is seriously punishable, following a case around Utrecht's Catharijnebaan. Civil ne bis in idem does not apply; parallel proceedings before the Utrecht subdistrict court possible. Recovery of fines and compensation via WM3 rules. Prevention through Utrecht campaigns against parking damage fraud and AI detection by Interpolis. Annually 1,200 reports in Utrecht, with €25 million damage. Suspects have right to counsel via the Utrecht bar and evidence requests. International fraud affects extradition treaties with EU partners. This regime effectively discourages abuse in the Domstad. (212 words)