Criminal Prosecution for Insurance Fraud in Delft

Insurance fraud in Delft 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 applies the 90% transaction guideline for minor cases, but proceeds to trial in cases of systematic fraud, such as involving TU Delft students or local entrepreneurs. Evidence: witness statements, forensic investigation and data exchange via FIOD, often in collaboration with the Delft police. Insurers report via the National Insurance Fraud Reporting Centre, with reports from the Haaglanden region. Victims of fraud claims in Delft are deemed injured parties with speaking rights at the District Court of The Hague. The Supreme Court of the Netherlands confirmed in 2023 that simulating injury in bicycle accidents in Delft is severely punishable. Civil law non bis in idem does not apply; parallel proceedings possible at the Delft sub-district court. Restitution of fine and compensation via WM3 rules. Prevention through education by the Municipality of Delft and AI detection by local insurers. Annually 500 reports in the region, with €15 million damage from fraud in student housing and construction projects. Suspects have right to counsel via the Delft bar association and evidence request. International fraud involving expats affects extradition treaties. This regime effectively discourages abuse in Delft. (212 words)