Anqing Xinchi Automobile Club insurance commissioner --

"Car accident" fraud detection

            Claims specialist help owners "make" the scene of the accident(Ping An insurance Anqing branch company)

     Report from our correspondent "I'm Xinchi Automobile Club a year in 500 yuan membership dues, the hope can enjoy more services, did not think of when I had problems with car direction by their maintenance, but they took the car out" manufacturing "together" accident ", to defraud insurance money behind my back." In June 11th, an owner Wang Zhu Liu entered the studio, to reporters about his Xinchi automobile club repair process, mechanic private driving his car accident, making false defraud insurance and away after.

■The owner reported the material: "mechanic private driving my car insurance fraud"

    Has been engaged in the construction of Mr. Wang told reporters, as early as in 1997, he spent 190000 yuan to buy a car Passat car. In April 21st this year, he drove pass by Jixian toll booths, road bridge is a stone "carry", feel the car in the direction of the heavier. Because he is Xinchi automobile club. The second day, he drove to the Xin Chi Auto Club, please the relevant personnel for maintenance.

   "I received the manager surnamed Cao, hear me out the car after the antecedents and consequences of failure, let me put the car in the club, she will arrange personnel inspection." Mr. Wang said, at that time, his driving license and vehicle insurance policy in the car did not take. The next afternoon, Mr. call Advisory vehicle maintenance, but was told not to check out. At that time, because the site is particularly busy, the car is Mr. Wang transport, need the car for him, on the afternoon of April 23rd had to put the car repair station maintenance and sent to the public. Dazhong repair station repairman to Mr. Wang finished the situation found to have scratch on the car, he advised him to report to the insurance company. "Insurance companies after receiving the report, immediately came to the spot to check, found my car two days ago reported yesterday that the case be or get out of danger."

   "Then I knew Xinchi Club mechanic to take my car out 'manufacturing' in a car accident, has been in my report before the report to the insurance company, want to cheat insurance gold." Mr. Wang said, the car in the mass dimension repair costs eight thousand yuan. Because the insurance company that his car was suspected of "bogus scene", therefore not claims!

■Club owners Commission: "reduction" site

   Is Mr. Wang reflect problems, the reporter in the morning arrived at the Zhong Xing Da Dao Xin Chi Auto club. The reporter found the operation manager and was driving the car driver Zhou Manyuan, Mr. wang. Zhou Manyuan tells a reporter, he is Xinchi Automobile Club claims Commissioner, is responsible for membership in the club car insurance, claims and other business agent. In April 22nd, Mr. Wang took the car to the customer manager Cao lan. Then the operation manager said to him, the owner's friends in the night before driving the car scraping occurs in the surrounding a small because of avoiding electric car, think of a claim with the insurance company, as there was no report, he went to restore the site owner said, Xu reported 5 and in the afternoon. "Second days of examination, the car has nothing to do with the damaged site accident, it will be the case to the insurance company to write off, no longer claim."

   However, according to the relevant provisions of Xinchi Automobile Club, club members need for insurance claims, issued by the "letter of commitment" and provide true situation first site. In this regard, Mr. Wang did not do any procedure. "As the Claims Specialist, in the absence of" written instructions "but do not know the accident real field situations, 'help' owners' recovery 'second the scene of the accident, report to the insurance companies and claim legitimate?" The face of questions from reporters, manager Zhou made clear that, if the owners have this requirement, they can do so for the owner, if by the insurance company is legally recognized.

■The insurance company: falsifies the scene suspected of insurance fraud

    Xin Chi Auto Club Claims Specialist Zhou Manyuan's statement is correct? If not untenable, so, he "processing" car accident second purpose of the site in where?

    With a series of questions, on the same day, Chinese Ping An Property Insurance Co. Ltd. Anqing branch reporters came to Mr. Wang vehicle insurance. The company an unnamed department heads told reporters, for Mr. Wang car for the car damage insurance in the insurance company and strengthen. April 22 case after the insurance, claims personnel rushed to the so-called the "Wang Yuan Xiao Qu" site, reports at the time said the car steering damaged, direction and left a hole but the car right wheel into the roadside in the machine is not, next to a car battery. And when the informant was not told this is a reduction of second in an attempt to impersonate the first scene, scene of accident. The company survey and exploration of vehicles to the car accident, suspected of forgery, and therefore refused to pay.

    The Xin Chi Auto Club staff Zhou Manyuan put forward "to help owners recover second site by the insurance company recognized that legitimate" say, the leadership is very sure that the automobile club, have no right to restore the so-called second owners of the scene of the accident. Without the consent of the insurance company agrees, secretly manufacturing car accident second field claim insurance fraud behavior belongs to the parties, legal liability payable. "This case has been suspected of insurance fraud, we have already made contact with Yingjiang investigation, may be transferred to the case."

   Finally, the leaders also emphasized the owner when the accident occurred, should be reported in the first scene, the vehicle must choose qualified repair units, agreed scope of repair, the relevant documents to carry away, to prevent others to "drill".

                             By June 25, 2009, Anqing radio and TV Newspaper []