交通事故伪造现案例及应对策略研究.docVIP

张天齐：交通事故伪造现场案例及应对策略研究 ********毕业论文 PAGE \* MERGEFORMAT 26 PAGE \* MERGEFORMAT 1 摘 要 如今，越来越多的车主、维修厂通过伪造现场实现在自己保险范围内的最大利益化。伪造现场保险公司按理说是不负责赔偿的，而且伪造现场也牵扯到道德问题，作为保险业务的龙头业务的车险业务，伪造现场对于保险公司造成极大损失。所以，应对这些伪造的现场，对于一名车险查勘员来说，应该抵制对方的诱惑，同时有自己的应对策略，保障保险公司的利益，让真正需要保险赔偿的车主得到赔偿。 本文通过对现有的一些伪造事故的形式特点，进行分析，然后结合美国反伪造现场的经验，结合现代的发展，给出粗浅的建议。 关键字：汽车保险 ，理赔，诈骗，防范策略 Abstract Nowadays , more and more car owners and garages gain profit by forging the scene of the accident from the property insurance company. But ,the property insurance company is not responsible for compensation if the scene of the accident is false. What’s more , forging the scene of the accident is about to ethical principle , automobile insurance is the most important in insurance company , forging the scene of the accident gives the insurance company cause huge economic losses. So, to a accident survey member , if you meet a forging accident , you should resist the lure of money, at the same time you should have you strategy to the accident , protecting the interests of your company. This thesis will analyze some forging accidents , including its form and characteristic, and combining with the experience of the anti-counterfeiting field, combining with the development of the modern , and I will give you some my suggests. Key words: Automobile insurance , Claim settlement , Fraud , Prevention strategy 目 录 TOC \o 1-3 \h \z \u HYPERLINK \l _Toc358190213 前 言 PAGEREF _Toc358190213 \h 1 HYPERLINK \l _Toc358190214 1. 绪论 PAGEREF _Toc358190214 \h 2 HYPERLINK \l _Toc358190215 1.1本课题研究的意义 PAGEREF _Toc358190215 \h 2 HYPERLINK \l _Toc358190216 1.2国际保险反欺诈发展形式 PAGEREF _Toc358190216 \h 2 HYPERLINK \l _Toc358190217 1.3研究的主要内容 PAGEREF _Toc358190217 \h 3 HYPERLINK \l _Toc358190218 2汽车保险的简介 PAGEREF _Toc358190218 \h 4 HYPERLINK \l _Toc358190219 2.1机动车交通事故责任强制保险的简介 PAGEREF _Toc358190219 \h 4 HYPERLINK \l _Toc358190220 2.1.1定义及保险责任（简介） PAGEREF _Toc358190220 \h 4 HYPERLINK \l _Toc358190221 2.1.2责任免除 PAGEREF _Toc358190221