Uprawnienie zakładów ubezpieczeń do weryfikacji zastrzeżenia numeru PEsEL jako instrument zapobiegania nadużyciom w obowiązkowych ubezpieczeniach OC posiadaczy pojazdów mechanicznych
The right of insurance companies to verify PEsEL numbers as a means of preventing fraud in compulsory insurance (MTPL insurance)

Summary/Abstract: This article analyzes the new entitlement under Article 5(2a) of the Compulsory Insurance Act, which permits insurance undertakings, on an optional basis, to verify in the relevant register whether a PESEL number has been restricted prior to concluding compulsory motor third-party liability (MTPL) insurance. It identifies the regulation’s ratio-reducing fraud involving stolen personal data-as well as its nature and practical effects, including the carve-out from the prohibition on refusing to conclude a contract where the PESEL number is restricted. The publication argues that the scope of information available (status of restriction only) is insufficient for reliable personal data verification and may lead to gaps in cover- age, particularly in light of digital exclusion among insurers’ clients. De lege ferenda, limited, purpose- specific access should be granted to insurance undertakings to the data contained in the PESEL register to fully achieve the objective of Article 5(2a) of the Compulsory Insurance Act in reducing instances of concluding MTPL insurance contracts using stolen or inaccurate personal data.

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