Research On Anti Fraud Of Auto Insurance Claims Based On Insurance Company Perspective

Motor vehicle insurance,as a pillar of the property insurance,the transfer of property risk,maintain the social stability and economic development at the same time,but also the emergence of many problems,including auto insurance fraud is one of the most prominent issues.With the CIRC front-end release,manage and back-end regulatory policies,more and more capital into the insurance the main insurance industry rapidly increased.For property insurance companies,insurance business market competition,the market is the high investment cost and reduce the profit of hitherto unknown,investment,many insurance companies have been at a loss.The claim is spending on property insurance company cost items,and car insurance.Fraud claims caused by the loss of property insurance companies should not be underestimated.Therefore,combating auto insurance claims fraud has become a means of effective management of property insurance companies control payment.First of all,based on the literature review,the XD insurance company as an example,from the number,amount and type of dimension analysis of the status quo of vehicle auto insurance fraud.The results showed that with the development of the XD insurance company,insurance fraud cases in terms of quantity and amount of money involved,are increasing year by year.And can be divided into type A,spur of the moment type and corruption patterns;causes of automobile insurance fraud,The reasons for the increase in the number and amount of auto insurance fraud are not only due to the unclear terms of the insurer,the moral risk of the insured,but also from the legal and social factorsSecondly,this paper design,payment,recovery and statistical survey data,using the Probit model for empirical research,factor of fraud in insurance claims.The results show that the driver is insured themselves or their close relatives,whether to provide the traffic accident responsibility confirmation,vehicle repair factory type,the dangerous condition of the insured vehicle use life,report of danger time range and the insured vehicle year policy history claim frequency and other indicators,are significant indicators of fraud recognition of auto insurance claims,insurance companies need to attach great importance to and screening.Again,this paper selects the typical event XD insurance company exclusions counterfeiting as a case study,which analyzes the types and characteristics of the auto insurance fraud case and justifies the result in the above empirical test.At the same time,it summarizes the insurance anti-fraud success and inadequacies,so as to lay the foundation for the following policy recommendations.Finally,based on the summary of the main conclusions,from the perfect legal laws and regulations,the establishment of an anti fraud system,the construction of"big data" information platform based on Internet perspective puts forward relevant policy suggestions,in order to bring some enlightenment for China's auto insurance anti-fraud system and system construction.