很多船东并没有意识到在保险索赔过程中使用虚假陈述(即所谓使用”欺诈手段”)的后果有多么严重，因而特撰此文。
为什么包括船东在内的许多人认为保险索赔中虚假陈述没什么错？根源可能是基于对民事欺诈法律地位的认识。在民事欺诈中，原告在索赔中存在错误陈述，并不会剥夺其正当索赔获赔的权利。例如，在民事欺诈案中，A船与B船相撞，A船船东通过捏造日租金高于市场水平的租船合同(合同日期倒签)，来夸大其损失。A船虚假夸大索赔的行为被B船船东发现，而其欺诈行为并不会使其丧失正当索赔的权利。
详细信息请参阅附件。
Falsely presentation of an insurance claim
We write this article as many shipowners do not appreciate the serious consequence of falsely presenting an insurance claim, which is called using ‘fraudulent devices.’
The reason why many people including shipowners think it is alright to falsely present an insurance claim, is I think based on the legal position in civil fraud. In civil fraud, a claim which is falsely presented will not debar the claimant from claiming and recovering a genuine claim. An example of a civil fraud is when vessel A sustains a collision with vessel B and the owners of vessel A inflates the quantum of damages he has sustained by falsely creating a backdated charterparty on an agreed daily hire well in excess of current market hire. The fraudulent act of vessel A in falsely inflating the claim which is subsequently discovered by vessel B will not debar vessel A from claiming the genuine amount of the claim.
See attached file: ALCO20130039 Falsely presentation of an insurance claim.pdf
