Several Ways To Expose Fraud Insurance

With the rapid development of the insurance market, some criminals have taken the insurance against fraud.

Moral hazard is like shadow and fraud cases are increasing year by year.

The old tricks are always tested and the new tricks are endless.

Cheat, cheat, cheat, cheat, collusion, cheat, insurance company deceive yourself and so on.

They adopt the bad means of making fictitious insurance labels, creating insurance accidents, burning evidence after committing crimes, and so on.

Deception is becoming more and more covert and more and more cunning.

Information on insurance companies in some European countries shows that insurance compensation accounts for 10% to 50% of total premium income.

In the United States, 10% to 20% of the total amount of insurance claims has fallen into the hands of fraudulent claims.

According to incomplete statistics, about 20% of all kinds of insurance compensation paid by Business insurance company in China are swindled.

This edition will be divided into two parts. By enumerating specific cases, we will give a big exposure to all kinds of deception so as to benefit the anti fraud work.

Here, we also advise those who are confused about cheating insurance: "do not stretch out your hand, you must be caught!"

This kind of situation often occurs in those old models of high-grade cars, fuel consumption cars, special cars, high repair vehicles.

For example, the old BMW, Mercedes Benz and so on, once the need to repair or cause trouble, the repair cost is very high, and often can not buy any spare parts, the repair cost exceeds the actual purchase price.

The general practice of insurance companies is to pay according to the value of the repair vehicle which does not exceed the value of the car purchased in the current market.

It is such a claim that the owner is able to repurchase a new high-end car with this claim.

At 1 a.m. in February 2005, Dalian PICC received a report from the driver, Wang Wei, claiming that the BMW car (owner of his car) had a rear end collision with the sprinkler in Ganjingzi limestone Avenue (very remote place) and asked the insurance company to deal with it.

The insurance company's claims personnel immediately rushed to the scene for investigation after receiving the case.

Many suspicious points were found in the survey.

A doubt: first, the residue is not consistent with the scene. The BMW headlamp is broken, but the spot has not found the headlight debris. Two doubt: the mark of the impact is not consistent with the scene; doubtful point three: the impact point of the collision is not consistent with the scene, and the impact point of the BMW car is at the bottom.

After the intervention investigation by the public security organs, the malicious fraud insurance case was broken.

In the first two days of the incident, Wang Wei crashed his car into a concrete wall on the roadside. He knew that the drunk driving insurance company did not pay. However, in order to get the insurance company's compensation, he ran the crash with his good friend Sun Bai (the driver of the water sprinkler).

The fraudulent people use the current fierce competition in the insurance market and the lack of business contacts between the insurance companies.

In order to defraud insurance indemnities, they will insure more than two insurance companies with the same insurance target.

After the insurance accident, they claim to the insurance companies separately to obtain more reparations.

In April 18th of 2003, Ceng Jinqing, the defrauder, insured two accident insurance for Taiping Ruyi card B, which was insured by the Nanping branch of Pacific Life Insurance Company. The sum insured was 164 thousand yuan. In April 21, 2003, 3 personal accident injury comprehensive insurance was insured in China Life Nanping branch, with a sum of 189 thousand yuan. In April 22, 2003, the personal accident insurance of 65 thousand yuan was insured in the unit of Ping'an Life Nanping Central Branch.

This is Ceng Jinqing's third time insurance policy for personal injury insurance to the insurance company in a month.

In order to deceive the people around him, Ceng Jinqing also insured his employees for the personal injury insurance group of 300 thousand yuan insured by his unit, Ping An insurance company. The personal accident insurance premium of Zeng Jin Qing amounted to 718 thousand yuan in Nanping.

21 hours later on June 17, 2003, a man who had been cut off his legs was found on the hill road in the Minjiang Bureau after ring road. The man was Zeng Jin Qing.

When asked by the public security organs, Zeng Jin Qing lied that he was chopping his feet when he was robbed by three strange men.

According to forensic identification, the injury degree of Zeng Jin Qing was seriously injured and his disability was rated as grade three.

In August 11, 2003, Liao Qiuying, a former wife of Zeng Qing Dynasty, agreed to apply for a 300 thousand yuan personal insurance claim to the Nanping branch of Ping An insurance.

According to the survey, Ceng Jinqing, a fraudulent man, borrowed money from Huang Jianxin for 100 thousand yuan due to his inability to repay shares. He then had the idea of insurance fraud.

Then he found Huang Jianxin, a friend, persuaded Huang Jianxin to cut off his feet to defraud the insurance money, and promised to pay 160 thousand yuan from the insurance compensation to repay the principal and bonus owed by Huang Jianxin 100 thousand yuan.

It is a new type of insurance fraud in recent years.

The fraudulent person has made a series of plans before the insurance, which is insured (usually insured in large quantities). Every step of the accident is to act according to the premeditated plan.

Such frauds are often those who deal with insurance companies all year round. They are familiar with various regulations and vulnerabilities of insurance companies.

Such cases often involve large amount of loss, concealment and deception, and are not easy to be found, and the success rate is high.

In January 2004, the life insurance company of North Ning branch was fully paid for the red Jetta hit and run accident, which was awarded to Liaoyang GB0805 for nearly 40 thousand yuan.

2 months after the accident, the car had an accident in the same way. The insurance company suspected that it might have fraud and asked the public security organ to file a case investigation.

During this period, the traffic police detachment of Liaohe Public Security Bureau also noticed some problems.

The first is that some vehicles are connected with two or even three traffic accidents in a short time; two, many drivers reflect that the other party seems to be deliberately bumping into their cars; three, some troublemakers and their vehicles are always related to an automobile repair shop; four, the two sides of the accident have little entanglement in the identification of responsibilities, and one side always takes the initiative to assume responsibility; five, there are always several familiar faces appearing repeatedly in the traffic police team for various reasons.

Song Wei, Song Wei, director of an automobile repair plant, began to play the idea of insurance in order to earn more money. He thought he had a clear procedure for the division of responsibilities in the traffic accident and the claim for compensation to the insurance company. Besides, the two cars deliberately collided and manufactured fake accidents to deceive the insurance company. The money was also hidden, so long as they did not hurt people, they should not be noticed.

The conspiracy of Song Wei, Venus, Hou Shangfu and others used the two or three cars of their associates in the pre selected sections of the road to be hit by special crashes.

After the car is hit, the driver or driver of the driver's car will be replaced by the relatives or friends who have the driver's license, and the police station will be sent to the scene. After that, Song Wei will be responsible for the car and ask the insurance company to make a claim for damages.

Another way is to take taxis on the street by two people of their group intentionally, so that taxi drivers can send them to their pre designated parking designated locations for various reasons.

When the taxi driver got off the train, the driver immediately drove to a taxi that was illegally parked.

Usually, there is a companion in the back seat of the car that the driver is driving. The function of the person is to get the driver to cross the side of the vehicle to the side of the driver's side and leave the scene after the crash of the crash vehicle.

If the other vehicle is insured, Song Wei tells the other person to use his car insurance compensation to repair the damaged vehicle on both sides. If the other vehicle is not insured, they will pay a considerable amount of repair fee to the other party.

Since the second half of 2002 to the middle of March 2004, more than 50 major insurance fraud cases have been implemented on Liaohe Oilfield road by the above two means, and the amount of insurance fraud has been more than 100 yuan.

Song Wei, Hou Shangfu and other 21 swindlers have been arrested by Liaohe Public Security Bureau.

It is also the most commonly used trick for fraudsters to replace the fake ones with the fake ones.

One day, a huge billboard on the side of the stadium was blown down by a strong wind and smashed 5 cars parked by two companies.

Among them, 3 cars of the trading company were insured, and the 2 cars of the trading company were not insured.

The two units are very familiar with each other. The trading company secretly changes the license plate which is damaged by the billboard and the vehicle license plate that has been insured but not damaged by the trade company. It wants to muddle through, and two units are divided equally after the insurance money is defrauded.

The insurance company was discovered in time.

At present, there are many insurance companies in the society.

Insurance companies and agencies with similar or similar names emerge in an endless stream and confuse the common people.

The fraudulent man went through this loophole and took fish and birds to fish in troubled waters.

Police in Shanghai and Qingpu have cracked a fake insurance agency.

Qingpu police received a report from an insurance agency of a car sales company. He handled 170 thousand yuan of auto insurance at an automobile insurance agency, but the insurance premium had not yet reached the account of the insurance company.

According to the investigation, the fraudulent person, zhengmou and Momou, registered an automobile insurance agency by illegally using another person's identity data. He sold insurance with a high rebate as a bait to a car sales company.

Driven by high profits, many car sales companies are being cheated.