Vehicle insurance fraud -- case analysis

  Disclosed in the media, on the market at present the number of private cars have been accounted for total sales of more than 76%. In other words, merchants sell 5 cars have nearly 4 vehicles were purchased by private, thus formed the automobile consumption trend momentum. With complementary, private car insurance has become the new fashion of economic life. It should be noted that, insurance claim was the legitimate rights and interests of the insurer, but because of the existence of moral hazard, but also some harbor evil intentions people tried to defraud insurance indemnity phenomenon, which caused the attention of the society.

Arson fire truckMisreport risks by
A private car owners to buy a second-hand Mercedes Benz luxury cars, in order to defraud the high insurance premiums, but their design interpretation of a burning Benz, caused by the "traffic accident" caused a fire in an attempt to illusion, afterwards to the insurance company to obtain high reparations. According to media reports, this second-hand Mercedes Benz cars belonging to the private car, car owners had deliberately made false accident way fraud claims. He go to the insurance company insurance coverage up to 1000000 yuan car insurance, and find a understand auto repair electrician, ask how can artificially through the car caught fire. The electrician to be tempted by the immediate petty profits, help its carefully designed the modus operandi, and has two field tests, that "no danger of anything going wrong" after the beginning of a section of highway follow suit, quickly put the empty vehicle flame lit, then firing a worthless scrap cars. After that, he claims to the insurance company. The insurance company found a suspicious mass in the survey, report to the public security department immediately. Public security departments do not be fooled by various appearances he made in cracking process, after careful reconnaissance survey of scientific evidence and painstaking, finally wised up to this well planned Mega auto insurance fraud cases, two criminals were punished by the law, the insurance company can avoid the economic loss, maintain numerous the interests of customers.

　　

After the event insuranceTo practise deception 
A enterprise employees driving a car without insurance ordinary cars go out to work, the traffic accident happened in the field, causing serious damage to vehicles. No insurance cannot claim because, he played a crooked brains moving, found through acquaintances an auto repair factory salesman, will he use convenient conditions for the agency of insurance business insurance, to resolve the claim. Since then, repeatedly asked him to dinner drink, the clerk finally could not help intercede with the wind, as he began after the motor vehicle third party liability insurance loss and. Three days later, he steps in accordance with the agreed, make such a fuss about to call, fear that the car in the field be or get out of danger. After local damage, in the factory repair garage. After two months, while its to receive 10000 yuan loss, the insurance company received the report, quickly found the fraud case, the attempt failed. The insurance agent is discipline, cancel the insurance agent qualification.

　　

Drunk drivingGraft one twig on another 
A private enterprise boss, friends and family dinner in a restaurant, love to the depths, wine raging, avoid to drink a few cups. After dinner, he bought a new car driving near home. Because of drinking too much, plus the way or improper operation, driving the pole crashed into the roadside, causing serious damage to vehicles, I also suffered minor injuries. Because this is the accidents caused by drunk driving, which belongs to the excluded liability insurance. Therefore, he did not report to the public security departments, also dare not to file a claim against the insurance company. But to find a very familiar with his auto repair factory will be towed vehicle repair, please repair factory people to do the work for an insurance company, that he is there was a car crash on friends to send to the station on the way, but also through various relations please issued by the public security traffic department didn't drink that driving, attempting to slip by. But these tricks are not succeed, but by themselves more than 2 yuan for repairs.

　　

Apply the photosRepeated claims 
Because of the traffic accident after be or get out of danger to the garage for repair, the accident vehicle damage insurance professionals to take pictures in the repair factory, in order to obtain the necessary evidence. So, some repair factory took the opportunity to exploit, use the accident vehicle photos and claim documents. There is a car once made a smaller loss of unilateral accident, in a garage, and the factory for a series of claims procedures. After the case, repair factory using customer blank claim application and accident photos, inventing the future again this car with his car collision accident, and rack one's brains out of the so-called "crash proof vehicle" and imaginary car repair invoices, the insurance company claims more than 8 yuan. The insurance company in surveying, found in the case of doubt, and many do not stand up to scrutiny, immediately organize forces to case investigation, to the insured of the car one by one to verify, the insured has categorically denied the incident, the garage fraud tricks failed.

　　

In doubtTo conceal the truth 
One day at dawn took unilateral accident vehicle, causing the car driver and another passenger were killed, the car was badly damaged, closer to scrapping. The insurance company after receiving the report, the rapid identification of the car to Hainan Mazda sedan, insured the car insurance and car insurance and other personnel of insurance, the company immediately dispatch to the site survey. Because the vehicle losses amounted to 60000 more than 6 yuan, the personnel on the car each compensation amounted to 10000 yuan, the accident claims the amount of up to 80000 more than 6 yuan. In the process of handling the claim, the insurance company responsible, careful verification, did not miss any traces, finally found the questions, one is the car insurance according to household car insurance, and the owners do not know the vehicle driver; two is such a major traffic accident happened at the time, the vehicle driver is likely to is drunk driving. In view of this, the insurance company assigned to the accident and the accident inquiry agent Guo, Guo X in the talk show from the rental companies rent the car line, rather than the family car; two is the driver and passengers in and had a drink together, Guo x on the contents in the motor vehicle insurance interrogation record put pen to paper. At the same time, they passed through the efforts made by the judicial identification center of forensic autopsy report, report clearly pointed out, the alcohol content in the blood of the car driver for 133.15mg/100ml, is drunk driving. So far, the accident The case is entirely cleared., change the use of the car privately, and drunk driving accident caused by the provisions, according to clauses, immediately to a refusal.

　　In fact, any attempt to use the insurance fraud people, no matter how cunning disguise you, no matter how you means "smart", and ultimately can not escape the "rack one's brains to be too clever, anti false how life" at the end, which also happens to be the "Mo stretching hands, stretch his hand to be caught" warning.