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An overview of insurance fraud
1.1 The meaning of Insurance Fraud
Insurance fraud, including two aspects: on the one hand, the insured party’s insurance fraud and insurance side of insurance fraud. non- with the insured in good faith, concealed the true subject of the insurance situation, induces insurers , or use the contents of the insurance contract, or of insured damage caused by the insurance company to obtain insurance payments for payment, an insurance party fraud; on the other hand, insurance companies, employees and agents of the business and claims for self-serving, or to obtain more business fees or payments to the insurance payments income pockets, while the induction of cheating and the insured person is an insurance fraud.
1.2 of insurance fraud
1. Extremely subtle
First of all, the insurance contract as insurance fraud by a party or related person, and the insurers of insurance existed between the legal , so the insurance fraud is often by insurance contracts is difficult to arouse suspicion of the public and the insurer ; Second, the insurance business objects related to all areas of social and economic life insurance who are not on every detail of the ; again, insurance fraud and to implement the insurance fraud is most abundant. Not only within the validity period of the contract in the of the insurance fraud, insurance contract entered into before and can be when fraud. Fraud is fraud, because after a long period of person and careful planning, insurance, even if found, it is difficult to gather evidence relating to insurance fraud.
2. A serious social crisis of
Insurance fraud is not only violating the rights and interests of the insurer, but also the entire community property, serious assault, more , the safety of others also a grave threat. In life insurance, some , the , to seek huge insurance, risked, killed the insured, causing great harm to society. To this end, the of national laws except those of civil insurance fraud, but also provides for criminal liability of the insurance .
1.3 The of insurance fraud
Insurance fraud in different forms, according to the specific situation of insurance fraud, which can be as follows:
1. Create a false , the loss of “” as the insured losses
This is the most common form of an insurance fraud. Primarily when the insured property does not in after suffering the loss, fraud, often trying to be “” as the insurance targets, and to provide false evidence for the claim to the insurer. If someone’s a “Dongfeng” brand trucks are not insured, but after the accident to shift into another one of its insured’s motor vehicle license, and put on the expansion issue of spraying a car license plate, to achieve real ones, grafting of effect. In addition, the subject matter when the insured losses caused by the exclusion, the insured person to provide false evidence will usually try to transform them into place within the insurance loss insurance claim.
2. Excess insurance
Insurance is the insurance policy holders over the insurance amount is higher than the actual value of the subject matter insured, occurs mainly in the property insurance. Because in life insurance, the person’s life and his body is not measured by money and there is no excess insurance. Use of excess insurance in the form of fraud is mainly the actual value of the insurance subject to a number of others as their own property, the property insured, or falsely claimed custody of a person entrusted with some valuables, and provide false evidence and proof to the insurance when the accident occurred, the subject matter insured for more than the actual value of insurance claims.
3. Repeat Insurance
Duplicate insurance is the insurance the insurer on the same subject matter, the same insurance benefits, the same insured to two or more insurers to enter into insurance contracts of insurance. China’s “Insurance Law” Article 40 does not prohibit double insurance, but requires repeated insurance insurance should be repeated to inform the insurer of the situation, and clearly defined, double insurance totaling more than the insured value, the insurer total amount of shall not exceed the insured value. In addition to the insurance contract provides otherwise, the insurer and the insured amount in with its of the total amount of insurance liability. As those who are fraud, the insurer on the situation of double insurance hard to find, it’s fraud, fraud, higher rate of success. It should be noted that some of insurance, the insured is not the result of , but because of the insurance policy holders do not or to find the so-called “more insurance”, “double insurance” caused, which should be treated .
Questions added: 4. False or loss
Loss is forged within the period of insurance, insurance, accident did not happen, however, the insured or has false in many accidents, so that insurers believe the insurance accident has occurred, in order to gain insurance behavior. If any motor insurance policy holders, after secretly selling lied car stolen car, ask the insurer for . loss refers to the insured property after the accident, the insured forgery, losses in an attempt to take advantage of a large fishing. The insured’s false testimony in two main forms: first, through the by issuing false for the units. If an owner of the insured motor vehicle insurance, car accident, resulting in vehicle damage repair in the repair shop sent, through the need not have the part has to be replaced, expanded the scope of repair, increase the amount of loss. Second, due to the insured himself to be altered the document, enhance the amount of loss. This form of fraud more poor, easily found the insured, so clever fraud are generally rarely used.
5. Forgery insurance and escape from danger time
Insurer in the insurance period only because the subject matter insured caused insured losses of liability. Some of the insured or the insured to defraud insurance, often taking time to insurance and means of escape from danger. If a taxi driver in his cab the day after the expiry of dangerous condition of the insurance, the insurance in order to obtain , through the , so that traffic police team award in the accident to happen in real time, two days in advance.
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