A6 atelier Wei Ran
Talk false instead
Enter an innumberable families as the car, car insurance also got unprecedented development. While the people that is gens having a car provides safeguard, safe and con problem also grows in intensity subsequently, profit of nibble car danger. According to statistic, only 10 much penates produced insurer profit first half of the year 2016, xiaogong manages in general deficit, deficit reason besides market share not tall, outside defray of poundage of high specified number, bully bilk is protected also is main factor. For this, the author combines the main means with current safe and fraudulent car, the method making a holiday of the person that make a holiday to the profession gives announce, the precautionary measures with effective dug, public figure of group of a person of same business discusses communication.
The person that major makes a holiday makes false case study
4 brother go to Guangdong introduced from the northern and western nationalities or from abroad family name for many times each insurance company is cast guarantee motor-driven car a place difficult of access, falsify proof data, in two years time is sure to do business from 9 site early or late 34 diddle are close 2 million yuan insurance gold is the person that major makes a holiday the typical case that makes a holiday.
Of sincere letter lack the social source that breaking is generation of the behavior that cheat compensate admittedly, but the extensive of insurance company is managed, oppose con measure lag behind and chase after punish not do one's best, the person that also make cheat compensate was had " the massive harm force of low cost " .
One, social reason
1. whole society still lacks sincere letter system and perfect monitoring mechanism. Look in many people, insurance is a kind of fault that can excuse false, not be what illegal behavior.
The influence of 2. law environment. Partial judicatory legal precedent, stem from the consideration that protects insurant, chose to be helpful for the evidence of insurant, rejected the refus countervail view of insurance company, from flank encourage con person aggressive arrogance.
Have a case: The car of mark chases after end to run quickly in different ground car, loss 20 thousand multivariate, 3 person car driver says need not the car of mark advocate worry about, he can contact insurance company to decide caustic. The car definite idea that waits for mark arrives 3 person had gone up in the court when car driver, 3 person the car is in place, evaluate a company to assess loss amount by place 70 thousand yuan, the company of car accept insurance of mark has applied for a reappraise, evaluate amount to be more than yuan 30 thousand.
2, policy-holder reason
1. certain policy-holder or idea of insurant legal system are thin.
2. some policy-holder attempt to protect a car to be sure through casting, achieve the goal that get rich.
3. some policy-holder because of some kind of accidental element cause, for instance other reminds, just generated con idea.
3, insurance company reason
1. is insufficient to preventing to be sure to take seriously false.
2. insurance information communicates not free.
Program of 3. accept insurance is unscientific.
Program of 4. manage compensate is unscientific.
Insurance company is opposite 5. certain already get behind fraudulent action processing is too loose.
On the low side of quality of personnel of 6. manage compensate, do not hold manage compensate to close.
The person that major makes a holiday makes false instrument
One, celestial being points to a road
Just as its name implies, in a lot of compensate cases, through phone recording report reports a case to the security authorities average per capita is full-time cheat personnel or a few clerks, they are depended on old the experience with insurance company deal with, lucid to clauses understanding development, industry flaw know sth like the palm of one's hand. Means of their claim for compensation with a variety of accident types, report a case to the security authorities through era reports a case to the security authorities or guiding client of be or get out of danger, change the pattern of accident happening, case of a few break a contact, without spot case change becomes reasonable effective normal case, in order to achieve the goal of diddle insurance gold.
2, practise deception
The person that body makes a holiday in major now has stronger operation capacity, have good psychological quality at the same time, they fall through changing the nondestructive fittings of car, the damage damage fittings of apply mechanically precondition undertakes true collision, in order to fill minute of authenticity that reflects an accident, after waiting for insurance company to decide caustic its primary vehicle assemble a car, with interest of try to gain the biggest change. Cover of course just on one hand, still have a card, harness an animal to cart. Phenomenon of harness an animal to cart is appearing commonly the case that defend is sent after prevenient be or get out of danger, because the loss is exceeded,bear limits, the means that uses this kind of make a reckless move will get loss compensation, cheat a kind of insurance company of risk impute to keep a form. Cover a shop sign average old freight car is more, the car that insurant has same model is more, did not cast the bogus after maintaining car be or get out of danger to cause already cast keep car frame number, achieve cheat guarantee an end.
3, true sport holiday is done
Loss of itself of some traffic accident is not big, the person that major makes a holiday collides 2 times, make accident loss expands, the person that make a holiday is used tear open a car maintenance, earn profit of a huge sum. Allegedly some steam matchs south the market demolishs a have everything that one expects to find, fittings sale price is not high, but by insurance company 2 kinds repair factory price to decide caustic, the person that make a holiday or can the price difference with very tall gain.
4, collude of inside and outside
Adopt for common interest cheat a kind of form that keep together. This kind of means needs personnel of insurance company interior and collude of inside and outside of the person that make a holiday, pass both between mutual cooperation, carry an interest, reasonable compensate link opens insurance company green passageway, both sides deuces the gold of compensate of manage of insurance of high specified number that gets from which.
The person that make a holiday in the light of major is on guard measure
One, crucial index law
It is developed country insurance company wide serve as a kind of method that decide and identifies basis of safe and con case with certain and main index for what use. This method basically is to rely on the daily experience of manage compensate personnel to accumulate, have very strong experience sex feature, very convenient also, practical, accuracy is taller (see figure) .
2, investigate a method on the spot
From theoretic tell, if if insurance company is capable that to every one insurance accident undertakes,be being investigated on the spot, be sure to be able to be eliminated false. In practice, insurance company can throw limited natural resources in very finite compensate case investigation only.
The processing opinion of branch of the accident proof of the noting that be investigated on the spot even if obtains party, witness, trouble removal.
Spot of 1. seasonable survey.
Trouble spot is met bequeath the material evidence of all sorts of traces, account is worn a large number of can true the information that reflects process of accident happening, development, but these traces and material evidence are extremely easily by nature or person destroy.
2. investigates accident course seriously.
On one hand, answer to undertake investigating to policy-holder, insurant, beneficiary beneficiary and eyewitness around the accident, circumstance of the course that produces to the accident, reason, loss and ensure moral of a management state, individual, near future the state of mark of unusual display, insurance situation that concerns with the accident has detailed inquiry, make good investigation record.
On the other hand, cooperate closely with the concerned branch of responsible trouble removal or appraisal, understand trouble removal situation in time, put forward to be suspected of the doubtful point of bilk, strive for the support of door of the Ministry of Public Security, cooperate investigation to obtain evidence.
3. integration analysis details of a case, search the breach that discloses bilk.
① analysis is cast defend motive.
② contacts relevant time the analysis.
Material evidence of trace of ③ general spot and concerned evidence union rise analysis.
3, inside data inquires a law
Make full use of case of the company's existing compensate of data data analysis.
Above all, the integrated business processing system that must rely on a company produces corresponding database. Next, business inquires the system ought to have basic data to classify a function, business personnel can use business to inquire the system undertakes the inquiry of different level and output in many terminal. For instance: Business inquires systematic data shows, the car of Mr Zhang inside a year is successive two thing onetime capital is bicycle accident, and the inspection report that does not have a policeman, accordingly OK and illative Mr Zhang has the possibility that is suspected of bully bilk compensate, whether was Mr Zhang carried out really cheat protect behavior to this should inspect further investigation and be decided.
Domestic some insurance company had begun to pass the system that establishs blacklist, grey list to come now keep within limits is safe and con, this included the idea that inside data inquires among them.
4, outside data inquires a law
The data that uses industry sex inquires the system is on guard safe and fraudulent means. Outside data inquiry is developed country insurance company the method with hit a safe and con very important together.
American ISO (Insurance Service Office) now is supplier of complete beauty's biggest insurance information data, its Claim Search-Auto system can help a client search for concerned car pilfer to grab, pilfer grabs car to return still, the information of the respect such as attaint, rescue, and the information that still can provide concerned car to be mixed to export a respect by burke. The of 93% insurance company that takes completely beautiful insurance now added this system, fund of of all kinds insurance, coadjutant insurance device, tripartite is mandatory of department of insurance of orgnaization, city instead con bureau and other execute the law the orgnaization also entered this one system, the law that has 22 states stipulates insurance company must transmit concerned data this system.
Line of business of risk of our country car is be expert at assist below the leader, company of Chinese insurance IT (the following abbreviation " middleman and guarantor is believed " ) send con system to had gone up line. Produce risk company to make full use of systematic platform data, the sieve that strengthens pair of doubt to be like data is checked, string together and analyse, nonsked send to property insurance company turn over bulletin of fraudulent data early-warning, include type of high frequency accident, doubt to appear the data information such as car, personnel, area, this produces risk company to strengthen systematic foundation data to type the job with respect to the requirement, if manage compensate information reports a case to the security authorities the car of person phone, mark, 3 person car, repair the information such as the factory true, complete, crucial field wants all ready, make sure information data element is complete, in identify adequately and using a system, high risk information reachs information of of all kinds early-warning, collect is doubtful clew is effective evidence, perfect information of high risk data, implementation information natural resources is shared. After system and net of couplet of the system that make a valve, can identify forge frame date and " travel card " the case that cheat compensate, to forging the car of frame date, the test and verify that make a valve cannot be passed.
5, setting caution is syntactic
Those inform insurance is illegal criminality false, the has certain caution effect sentence that ought to be punished. Caution language can be printed perhaps manage in guarantee slip a certain prominent place of compensate only evidence, can remove caution client not to take the effect of gold of insurance of fraudulent means diddle on one hand; Also undertake to those con client has certain deterrence effect is sure in cold blood on the other hand.
6, use franchise method opportunely
The meeting in the dynamic rich play chess of underwriter and insurant in not complete information achieves balanced, reach best contract namely. This best contract is not insurance of full specified amount, be sure partly however, its principle is bearing the risk loss of insurance mark at making policy-holder and underwriter joint, come with this keep within limits and the fraudulent action that reduce policy-holder. Generally speaking, the part that policy-holder assumes is larger, apply insurance to because be jumped over with possibility,be moved false actually small.
What absolutely franchise points to is an underwriter termless the share that avoids compensate, if the person protects 500 yuan of when the portion rolled out money danger in October 2004 absolutely franchise, produce any insurance accident losses to be in namely 500 yuan of the following part underwriters are uniform do not grant compensate pays.
Using opposite franchise (rate) below the circumstance, the underwriter after general provision produces a loss is in charge of compensate be like,paying certain proportional loss only 80% etc, assume by him policy-holder to exceeding the share of this rate above.
7, law of check mark accept insurance
This is to be in when policy-holder puts forward accept insurance to apply for, the underwriter is right of insurance mark particular case undertakes necessary check beforehand, decide again next whether accept insurance, with a system of what condition accept insurance, uniform to old old model not danger of caustic of accept insurance car.
Implement system of check mark accept insurance strictly, can be on guard effectively accept insurance of empty mark accept insurance, after the event, belt " ill " cast protect those who wait for incident to happen, still can achieve at the same time evaluate reasonable and risk, affirmatory accept insurance correctly cost rate, raise risk level of management to wait for a purpose.
8, build masses to inform against a system
A few this years the development speed of insurance had qualitative flight, also be current society is added fast one of the fastest industries. National policy gives aid to energetically, be sure meanwhile also is pattern false 100. Insurance company mights as well build the public to inform against a system, but severe blow is safe and con. Increase inform against promotive strength, there is Yong Fu surely under heavy award, make more false case rises to surface.
10, row assist cooperate with classics detect detachment and policeman detachment, build turn over con platform
Be like: Association of insurance of the city that do not have stannum held water via detect detachment with public security bureau of the city that do not have stannum " the insurance that do not have stannum turns over con workstation " , will be sure to work to fight promotion to arrive alone from the singles between the company false instead industry pool efforts. At present, rely on this one platform, insurance association is returned will together policeman, through be on guard, investigation, obtain evidence, precaution and blow, build many channel, much azimuth, much angle oppose safe and con network.
These 10, suspectable
1. year frequency of be or get out of danger 3 above.
2. accident produces day to be maturity of monitoring guarantee slip.
3. bicycle accident, and accident happening is in remote region, nightly, without eyewitness.
4. car is bumped into the loss is severe, and the driver is unspeakable the car of car be bumpinged into advocate peace car date.
5. drives the record of the person description to the accident and spot survey not conform to.
6. old model, full specified amount is cast protect, be or get out of danger is frequent, report a case to the security authorities quite seasonable however, urgent rapidly end a case.
The new old rate of 7. car bruise is different.
8. car suffers bump can't bring about gasbag detonate, but gasbag is actual already detonate.
It is normal that 9. policy-holder holds to gasbag to belong to play piece, but the gasbag with spot apparent existence is older, the circumstance of drape.
10. is bumped into car lacks power, there is fuel in fuel box, crucial position has rusty case.
