The excess was significant only in 1999 and amounted to 15.13%. If we assume, in turn, the upper limit of extortion, or 30% of the paid compensation and benefits, their participation in the collection of premiums would be even higher (Table 5). Also, the participation rate scams totaling premium of Chapter II of the charakteryzowanej scale extortion as 30% of the value of claims paid and benefits are kept at a high negative level (Table 6). In this case, the degree of hazard insurance crime in 1992 and 1993, measured in economic losses, according to estimates amounted to more than 20% of the premiums, in section II. Few at the same time different from 20% of the premiums, the indicators from the years 1999 and 2000 Just as in relation to Chapter II, similar estimates can be made in the life insurance department, with the indicative rate scams - 5% of the compensation and benefits (Table 7) . The effects of crime insurance in the form of economic loss, as measured by the payment of damages and undue benefits are much smaller níže in section II.
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