China-Vehicle-Insurance Anti-fraud Research

In the recent years, with the rapid development of the insurance industry, the insurance fraud is rampant. At the same time, with the continuous development of the automotive industry,vehicle insurance fraud is also increasing.According to statistics,China Insurance Association released in 2014 ten against insurance fraud cases,60% cases of insurance fraud belongs to the category of property insurance,which includes 80% of automotive insurance fraud. Compared to other types of insurance fraud ways, the motor vehicle insurance fraud has more ways and more strong concealment,which has hindered the healthy development of the property insurance and the whole insurance industry.Even because of insurance frand,insurers have to add the costs into account,Therefore the insurance fraud is also known as the black hole of the insurance industry. At present,this has caused widespread concern in the insurance industry.Such as” management measures to combat cheating lose joint mechanism” of Beijing insurance industry association development, and ”motor vehicle insurance industry of Jiangsu province in anti-fraud report rewards method”. September 2014 Insurance society, founded the anti-fraud professional committee and established the "government-led, law enforcement interaction, company-based, industry collaboration," one of the four anti-fraud work system.The insurance industry realizes how serious the problem of auto insurance fraud,but the establishment of long-term mechanism of auto insurance anti fraud is a long process,and has many imperfect places there.This paper is divided into four parts,the first part is the introduction,introduce the whole process of drunk driving switch fraud case, the second part is the case analysis,excessive in China by far the most common form of insurance fraud cases through specific case, then from the legal environment,and expounds the current situation and existing problems of anti fraud China ‘s auto insurance from three aspects of the response mechanism, the insurance company, in the final analysis, the causes of insurance fraud; The third part introduces the international anti fraud experiences and the enlightenment to our country; The fourth part mainly according to the actual situation ofour country and the foreign experience and puts forward some countermeasures to deal with insurance fraud.This paper mainly from the perspective of theory and actual case,in-depth study and Analysis on such issues, so when there is such a problem, can use this paper puts forward the countermeasures to solve the problem.At present, the insurance industry of automobile insurance fraud,concern has increased,but the insurance company and the China Insurance Regulatory Commission and the association of insurance fraud measures is still not perfect.Through this paper,hope to the insurance companies and regulatory authorities to improve in response to insurance fraud,and hope that the majority of consumers to be able to recognize the dangers of auto insurance fraud, to supervise the work of the insurance fraud play.