[walletdrainer]

Yeah, I know how car insurance works and just figured it’d be overly verbose to specify some scenario where the neighbour was driving some uninsured vehicle like a tractor and the incident happened outside of public roads.

I do think I still managed to make my point though, preventing civil lawsuits arising from possibly criminal behaviour is unrealistic. That would make it extremely difficult for individuals to seek compensation for almost any damage they might suffer, they’d have to first wait for months or years before the police gets back to them.

>I am guessing here the "intent" can also be "aware of it but did not invest enough to curb it while it is profiting off it".

Fraud by negligence is a fairly exotic concept and to my understanding usually specifically relies on laws regarding negligent misrepresentation. I’d be surprised if that would work in Sweden.

I did find this government report which is related even if it discusses a slightly different kind of fraud https://bra.se/download/18.3433db6019301deaa6b8132/173142652...

>For liability for fraud to come into question, the prosecutor has to be able to prove that the crime is deliberate. This means that the criminal act has been committed consciously or intentionally. Liability for fraud is conditional on the objective requisites being covered by the perpetrator’s intent. It is not possible to judge a person to be liable for fraud because someone has been paid too much compensation as a result of negligence, or because the person did not know about certain obligations in conjunction with the compensation. Carelessness is thus not sufficient. It must be possible to prove that the perpetrator has committed the act intentionally. This intent must cover all elements of the criminal act. The great problem with fraud crime is to prove the intent. The actual circumstances surrounding what really occurred are often a lesser pro- blem. The assessment of the intent is complicated by the fact that the rules concerning social insurance can be difficult to understand. The difficulty in proving intent has meant that several assessors have considered that the fraud regulations do not work quite as they should. Proposals have therefore been made that negligence should be sufficient for judging that a person has misled the Social Insurance Agency or some other payment-issuer within the compensation and benefit systems (Örnemark Hansen, 1995). This criticism against the intention require- ment has led to the new Benefit Crime Act (2007:612).

[necovek]

Generally legal system has negligence, and once someone is provably informed of the negative consequences but keeps being negligent, "willful negligence", which is much closer to intent (I see it defined as "intentional disregard...").

IANAL, but common sense tells me there should be a link to willful harm.