Regard insurance as the heavy disaster area of con crime, car danger lets insurance industry impossible to defend effectively all the time false. According to concerning judicatory data statistic last year, car danger is sure to be sent false in the whole nation false occupy in record amount than be as high as 80% .
On September 5, reporter from Beijing stone scene a mountainous area procuratorate understands, come from July 2014 in July 2017, the of 51% experience case personnel in con case is danger of car of Beijing whole town familiar car is relevant the professional personage of the industry, the gang commits the crime, cross area to commit the crime the trend is clear, put in complex increase chain.
Personnel of 51% experience case is
Be familiar with the professional personage of automobile industry
The reporter understands, insurance industry garden develops the Beijing that procuratorate of Shi Jingshan area is stationed in Shi Jingshan area for the service, cost a year to finish to study a report about the task with car con danger with collaboration of Beijing insurance guild. Report appearance comes from July 2014 originally during July 2017, beijing is all the car danger that enters criminal order is con case, add up to 115. Report the analysis shows, experience case has 93 to be familiar with a car artificially in 181 people the professional personage of relevant industry, 51% what take staff of whole experience case; Behavior average per capita admits his guilt of one's own accord, most behavior person by applicable probation, only 2 people are sentenced set term of imprisonment of 5 years of above.
Early childhood in the report, the gang commits the crime, cross area to commit the crime the trend is clear, most case is much person conspires, collaboration is finished. Insurant (policy-holder) , repair a factory the member that representative of intermediary of staff member, insurance, insurance company decides caustic, official estimate member wait for personnel to form a complex interest chain. And the insurance bilk activity that has an organization so, be silver of close meridian country the meeting that keep watch releases an announcement to begin sweep black the emphasis that removes evil special accuse and denounce at a meeting hits a target.
"Every segment of compensate of car danger manage is put possibly in fraudulent action, the personnel that the gang commits the crime makes photograph contrast fixedder. " Zhao Xiaomin expresses inquisitor of procuratorate of the member that the task is comprised, Shi Jingshan area, if the gang commits the crime when any link does not have a key " co-worker " cooperate, car danger is con action is possible by insurance company get behind.
"Because compensate of car danger manage is involved,repair the link such as representative of intermediary of factory, insurance, first-hand news is communicated very hard to insurance company place directly, cause increase chain easily. " management of risk of institute of Beijing University economy and insurance learn to fasten vice director Liu Xinli to suggest, want to drive the diaphaneity that uses method of new and high science and technology to promote link of compensate of car danger manage, let professional gang nowhere can be cheated.
"After chain of get through increase, implementation of ability of interest of compensate of car danger manage is the biggest change, because con trend basically reflects this professionalism,change for the group commit the crime. " Ren Zili of vice-chairman of seminar of law of insurance of society of law of professor of courtyard of law of Beijing aerospace university, China expresses, this raised taller requirement to the superintendency branch that involves on whole increase chain, "If mice very ' clever ' , the superintendency that catchs mouse then ' cat ' also should progress. The superintendency that catchs mouse then ' cat ' also should progress..
Consciousness of people insurance law remains to rise
The elder sister that the driver's license is cancelled already should use his car, some promises man Zheng readily. Did not think of when the late night drives, the elder sister lowers his head to see a mobile phone, hit the freight car of berth of start off edge directly. Zheng Mou is taking wife Xu Mou to hurry to reinforce, 3 people drive cause trouble car come home. The following day early in the morning, below Zheng Mou's incite sb to do sth, xu Mou drives the car a trouble spot, call the police pretend to drive in the morning be caused by of the collision when sending the child to go to school, obtain insurance manage compensate successfully more than yuan twenty-eight thousand seven hundred. To sue of procuratorate of area of Jing Shan of classics Beijing a unit of dry measure for grain, this year on September 4, the court sentences Zheng Mou, Xu Mou with insurance crime of fraud each set term of imprisonment 6 months, probation a year.
Zhao Xiaomin introduces, party makes up accident course is one of 3 large main types with car con danger, the travel humanness of this kind of case is more temporarily danger of executive car of conceive a design is con behavior, namely insurant does not foretell beforehand the happening of the accident, the real reason of insurance except responsibility is concealed to win insurance gold after sending make trouble reason.
"I think of the elder sister does not have a driver's license only, the likelihood needs a driver's license to buckle cent, but did not think of this is bilk behavior. " Zheng Mou calls to insurance company clerk first actually that evening advisory circumstance, do not feel likely to be suspected of violating crime, and wife Xu some " did not think more more " . Face the bring to trial of inquisitor, two people show very regret.
"A lot of people in daily life have drawback to safe acknowledge, offend possibly without the deed that realizes oneself criminal law. " ministry of public prosecution of procuratorate of Shi Jingshan area handles a case Xue Songjie says inquisitor. And Ren Zili is special mention, car danger can covert false those who increase customer cast keep cost, erode a society sincere letter system, should be publicized further and raise insurance consciousness of the people, raise legal consciousness and contracted spirit. "The credit system that germ depends on China is general and insufficient perfect. "The credit system that germ depends on China is general and insufficient perfect..
Danger of car of blow of much branch linkage is con
Since 1988, car danger is insurance of our country property all the time the biggest danger is planted. Only 2017, our country insurance is 207 million motor vehicle of countrywide to provide risk safeguard, year hears case of compensate of car danger manage nearly 80 million, reparations 350 billion yuan of above. According to China the data that keep a letter shows, countrywide car danger turns over deceptive information system to go up from November 28, 2016 since the line, the month all inquires the quantity is close 160 thousand times, up to by 2017, accumulative total helps strength insurance company draws caustic amount 117 million yuan.
Recently, shaanxi saves insurance guild bulletin to returned case of safe and con job first half of the year 2018, car danger domain is suspected of safe and con case still be being centered most, gross is big, amount of case experience record is small. Once had experienced car cut loiter to submit an expense account personally the Ren Zili of car danger thinks, repair the price between factory and 4S inn to differ bigger, profit space is more expensive, car danger insurance cost is exorbitant, also be the reason that con frequency hair cannot ignore car risk.
"Great majority person is spent to insurance includes false taller, to the system signing a letter of whole society construction can cause certain harm. " introduce according to Zhao Xiaomin, besides, be enslaved to be enslaved to investigates cost tall, put on record a variety of elements such as pattern of difficult, management, insurance company strikes back to the car strength is not worth false nearly.
To this, ren Zili also thinks, should give taller expectation to insurance company. Insurance company regards the commercial finance that has particular actual strength as the orgnaization, otherwise judges the quality of the product that him improvement offers and service, use " blacklist " etc multidimensional the con cost that spent shift raises behavior person, at the same time aggrandizement and perfect interior are superintended control a system with wind.
This year on April 1, former China keeps watch of meeting print and distribute " be sure instead con and how-to " apply, clear each unit is in the duty in turning over con cooperation to cooperate a mechanism. Zhao Xiaomin expresses, blow insurance needs a society false various and joint efforts. Only mechanism of insurance company, procuratorial work, public security mechanism, administration executes the law mechanism forms the system with safe and con blow, the information inside implementation course of study is shared, social linkage, ability is achieved combat safe and con optimal effect.
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