Causes Of Automobile Insurance Fraud Prombles And Countermeasures Of Anti Fraud

With decades of China’s reform and opening up the comprehensive national strength has been gradually improved,the level of rapid economic development.The living standards of the people have been greatly improved.At the same time, China’s total national car ownership is also rapid surge, which the insurance company’s auto insurance business is also developing rapidly.According to China’s current auto insurance industry-related statistics, auto insurance business in the insurance business has reached a proportion of70%than the column, auto insurance the insurance industry has become a veritable big insurance.No matter all out, with the share of car insurance than the column rises, repeated instances of auto insurance fraud, such as those without regular exposure liability insurance deductible, such as low pay and high security crisis caused great attention in society.Insurance fraud is not only against the legitimate rights and interests of consumers and economic interests of our country’s insurance company, but also harm the interests of other consumers, more importantly, our country is in transition, the phenomenon is affecting the entire insurance industry healthy and orderly development of the healthy development of China’s market economic order.In this context, the paper of China’s automobile insurance market through comprehensive analysis and research system, summarizes the current status of our country’s automotive market insurance, car insurance explained our national anti-fraud difficult problems: Auto Insurance Anti-Fraud legal system does not perfect; insufficient auto insurance supervision; insufficient claims operational procedures; policy design problem.Then from the root cause, the external and internal reasons, these three levels of analysis of the causes of difficult problems, so as to improve the anti-fraud measures auto insurance, accumulated data content and analysis methods.