Text / Tang Zewen

The second day, Xiao Liu took the list to the 4S store, the clerk gives repair price is 580 yuan. The insurance company salesman also came, looked at the impact site, also asked the 4S shop price, therefore the ultimate amount is 580 yuan. Xiao Liu got loss alone, think 4S shop, the price is a little expensive, then calling a friend, a friend recommended a private car repair shop, the price of original accessories 380 yuan, deputy plant parts of 100 yuan, and do not collect fee.

Xiao Liu said nothing and left 4S shop. To fix the car, he was quite happy: I never thought that such a small accident, even the rich income!

In order to cheat the car insurance

Someone put the crash as the occupation

In fact, many people have little Liu such experience, but did not take it seriously.

In fact, from the beginning of the three years ago, Hangzhou, Ningbo, Wenzhou city quietly emerged a number of "occupation crash clan", with professional skill manufacturing accidents for insurance money. Hangzhou has a Passat, less than a year, the impact of the 30, is the full responsibility for each other, let the insurance companies feel helpless (express was reported).

To do so, of course, is to obtain certain economic benefits. The Passat bumper for example, the insurance company insurance amount is generally in the 400-500 yuan, but many repair factory offer only 150 yuan. "Occupation crash family" generally will not replace a new bumper, unless unable to repair, will consider the replacement. An accident is more than half the profits loss amount, a car knocked 30 times a year, a year of profits can reach 10000, the more profitable than selling cars and car.

Despite this car has many claims records, but often lack the evidence for this occupation crash family, to open the floodgates wide to vehicle insurance fraud. The insurance company and the person responsible for the accident also incapable of action, repair shop and owners took the opportunity to earn the price difference.

The police took aim at the car race

The catch

"Occupation crash group behavior is fraud, once verified, the police will be prosecuted for criminal responsibility." The Provincial Public Security Bureau of Economic Investigation Corps relevant responsible person said, since this year, Zhejiang Province vehicle insurance fraud crime surge in the number of cases, showing a gang, a series of related industry personnel, together with the trend, causes great economic losses to the insurance company. As of the end of 10, the province's public security organs cracked due to vehicle insurance fraud crime more than 130 cases, involving a value of 500 yuan, more than 30 people were arrested.

According to the introduction, since the end of last year, the crime suspect in a package with auto mechanic, insurance company salesman et al., prior premeditation, by deliberately damaged car, forge the scene of the accident, for books and other means of traffic accidents in the province successively fraud, many insurance company claims more than 20 yuan. Jinhua police for further investigation, and cracked to Lin, Jiang Feng, a plurality of vehicle insurance fraud gang. Currently has initially verified cases of insurance fraud more than 70, in Jinhua, Hangzhou, Ningbo, Wenzhou, Lishui, Quzhou and other places, involving up to 400 yuan, has more than 20 people were arrested, including insurance company staff, the taxi driver, mechanic and medical students. At present, the case has not been investigating.

Police also have other fraudulent means

In addition to crash at the occupation, the Provincial Public Security Bureau of Economic Investigation Corps also have several other fraudulent means, mainly in the following three kind of modus operandi:

One is the owner about the cause of the accident, a claim to the insurance company insurance.

In August this year, Chen Audi car driving through Yueqing under a freeway overpass puddles, flooded damaged, repair Huang told him, in the running of the flooded the insurance company will not bear the responsibility for compensation. In order to achieve the car not spending money, soon Chen entrusted Huang made car is in park flooded, damaged, by Huang from the insurance company for the loss of more than 1.5 yuan.

Two is the owner prompt repair workers forged or deliberately makes traffic accident, fast processing book of road traffic accidents for the traffic police, after the claim to the insurance company to pay for the repair cost claims.

In October last year, Huang a little trouble with the car, in order not to their own pockets, requirements and a fake traffic accident scene, pay by insurance company pays indemnities repairs. Li incites another suspect Chen Huang, driving vehicles, intentionally hit a white pickup truck in Yueqing city on the road, and then to the traffic police to police Chen claimed their driving hit, traffic accidents for fast processing book, half a month later, Huang to defraud insurance company indemnity of 8400 yuan.

Three is an auto mechanic with damaged vehicle forgery or deliberately makes the traffic accident, the insurance company claims and repair to earn price difference.

In October last year, Wu colluding with another suspect Chen Mou, the driving of vehicles in Yue Cheng town, four loop deliberate collision crosswalk protection pillars Road Central, then by Chen to the scene of the accident the traffic police that he drove to avoid pedestrians and traffic accidents, fast processing book which for traffic accidents, he by the name of insurance entrusted to a Yueqing insurance company claims, a month later, Wu to receive money more than 24000 yuan.

The police thought, "occupation crash family" and repair, insurance, hospital and traffic management and other personnel colluding, by forging or deliberately create traffic accidents, improve the insurance loss amount, forgery insurance proxy, forged the disability and other means, to cheat insurance gold, fraud into high power.

For auto insurance, and possible consequences nothing should bear the legal responsibility

Repair factory took the opportunity to steal the vehicle are plant parts

The police found in the case of fraud, people tend to focus on the economic benefits, while ignoring the serious consequences, it had to say, some of the owners of the awareness of the law.

First of all, the vehicle insured insurance awareness deviation, thought that any loss of vehicles involved will receive insurance compensation, ignoring the franchise clause in the contract of insurance, in reality there are many car loss is not compensation. Finally, no corrosion to the chicken rice, with no loss, but also in his own pocket. Sometimes, even in the insurance company claims, but once the insurance companies that they belong to deliberately crash, and the actual evidence, can still denying claims.

Police also reminds, make the accident on purpose for premium will bear the huge legal risks. China's "criminal law" 198th stipulates: "for insurance fraud, the amount is relatively large, is less than five years imprisonment or criminal detention, a fine of ten thousand yuan one hundred thousand yuan fine; if the amount involved is huge or other serious circumstances, five to ten years in prison, impose a twenty thousand yuan more than two hundred thousand yuan of the following a fine; if the amount involved is especially huge or other especially serious circumstances, department for more than ten years in prison, a fine of twenty thousand yuan and two hundred thousand yuan fine or confiscation of property."

Maybe the owner will say, these are the repair plant stem, has nothing to do with me, please note, according to China's "criminal law" stipulates: "the appraisers, certifiers, property assessment who intentionally provide false documents, and provide conditions for others to commit fraud, shall be punished as an accomplice in insurance fraud." Compared with the meager insurance gold, this price is quite heavy.

Police also found, do not look at the repair factory, car owners in the face of the insurance company, have the same enemy and hatred, mutual maintenance, turn around, repair factory could put another face. Repair factory, so the "noble" to help the owner, has its objective, he can not figure that part of petty profits insurance indemnity. Are plant parts, part repair factory will take the opportunity to steal the car flipping, get more considerable interest. While the owners feel won benefits, wouldn't have, even if found, will also have bitter could not say, who let oneself is an accomplice.