El derecho penal como respuesta a los fraudes en el sector asegurador colombiano

The purpose of this work is to study fraud against insurance companies, as such fraud poses a risk to their finances and, of course, to the stability of the insurance sector. The methods used to commit these crimes can vary, ranging from the simulation of claims to document forgery. Nevertheless, of the chosen conduct, these behaviors require effective responses. The constant technological evolution has created tools that insurance companies can use to detect potentially fraudulent conduct. However, these tools are insufficient when it comes to investigation and prosecution. Some European countries have begun implementing platforms that allow for the exchange of information between public and private entities. Criminal law emerges as a response to combat this phenomenon, with a specific purpose: to send a deterrent message to society and within companies, with the goal of gradually reducing these behaviors that endanger the finances and reputation of the insurance sector. It is important to emphasize the need to prosecute such conduct, but it also requires a serious commitment from insurance companies, as their participation is essential to confronting these crimes.