对保险车辆落水事故中欺诈风险的调查分析.pdfVIP

Vol.30 No.2 第 30 卷第2 期 保险职业学院学报{双月刊} 2016 年 4 月 ‘白URNAL OF INSURANCE PROFESSIONAL COLLEGE(Bimonthly) Apr. 2016 对保险车辆落水事故中欺诈风险的调查分析 唐汇明，毛宏权 (中国人民财产保险股份有限公司湖南省分公司，湖南长沙 410008) [摘 要] 随着汽车市场的繁荣，二手车交易日趋活跃。与满足多元化汽车消费需求的旧车交易市场宗旨相违背的 是，二手车拔一些不法分子用作制造虚假保险事故骗赔的工具。此类欺诈案件往往策划周密，破绽较少，骗赔额大，由于识 J 经验欠缺和调查手段的局限成功查处的很少。这对保险业的经营稳定构成新的危害，对保险业反欺诈工作提出了新的 挑战。因此，我们要及时总结风险特点，提出防范对策，提升查处能力。 [关键词] 二手车;落水事故;保险诈骗 [中图分类号]F840.323 [文章编号]1673--1360(2016)02一0027 一06 [文献标识码]A [Abstract] The deal of second - hand cars is becoming increasingly frequent with the growth of the car market. In conflict with the purpose of second - hand cars dealing , i. e. to satisfy the multiple needs of cars consuming , some lawbreakers take the advantage of the second - hand cars to cause false insur- ance risks for fraudulent claims. This kind of fraud cases are usually carefully designed , with little flaw , and the amount is always quite large. Due to the lack of experience and limited investigation means , it is seldom successful , which has been a thread to the stable operation of insurance industry , imposing a new challenge on the anti - fraud in insurance industry. Therefore , we should sum up the characteristics of risk , work out measures to prevent it and improve the ability to deal with it. [Key words] Second- hand cars; The drowning event; Insurance fraud 在 2015 年 6 月下旬到 8 月初的一个多月里， 型，或者事故当事人有二手车经营或修理厂从业背 在湖南省益阳、长沙、岳阳市分公司连续发生 4 起 景;有 17 件存在明显的欺诈嫌疑，其中永州、常德 老旧二手高端车行驶中落水的事故，估计案均赔款 各有 1 件已由公安机关侦破。数据显示，制造落水 20 万元以上。案情引起了中国人保财险湖南省分