Research On Anti-fraud Of Auto Insurance With Artificial Intelligence

Competition in the property insurance industry is fierce,and auto insurance accounts for most of the premium market share.With the advancement of society and the improvement of people's living standards,the number of car ownership has increased,and the expansion of the demand for vehicle insurance market has further promoted the rapid development of the insurance industry.However,with the continuous expansion of my country's auto insurance premiums,the auto insurance market has also highlighted many problems,insurance fraud is one of them.As the phenomenon of auto insurance fraud becomes more and more rampant,and the methods and forms of fraud become more complicated,it is extremely difficult for insurance companies to identify fraud cases,and the cost of identifying fraud is also increasing.Auto insurance fraud cases have caused huge losses to insurance companies and even led to bankruptcy.At the same time,they have seriously affected the healthy development of the auto insurance industry,wasted social public resources,and brought certain challenges to the stability of social public order.Although many insurance companies attach great importance to the control of auto insurance fraud,traditional fraud prevention and control methods can no longer meet the rapid development of the auto insurance industry.It must be based on the staff's field survey data,and the collection of evidence is more difficult,and the identification process also needs to be relied on.The subjective judgment of investigators indicates that this inefficient model is very detrimental to the auto insurance industry's response to fraud.With the deep integration of insurance technology and the insurance industry,finding a breakthrough to solve the phenomenon of motor vehicle insurance fraud is just around the corner.Based on the importance of anti-fraud in motor vehicle insurance for the entire insurance industry and the entire society,the article uses the Pacific Property Insurance artificial intelligence robot "Hearer" as the starting point,using comparative analysis,literature research,and case investigation methods to analyze my country's traditional auto insurance anti-fraud problems,analyze and summarize the auto insurance anti-fraud by well-known foreign companies using artificial intelligence,analyze the feasibility and necessity of domestic AI-assisted auto insurance anti-fraud,and put forward reasonable suggestions based on the current situation of the domestic auto insurance industry.The continuous development and update of AI technology through smart devices can improve the accuracy of risk management and create ways to fight various new scams.At present,the insurance industry is paying more attention to auto insurance fraud,but the countermeasures are not perfect.Research and prevention of auto insurance fraud have become a hot topic in the entire insurance industry.The vehicle insurance industry uses feasible fraud prevention methods and anti-fraud strategies,uses multi-dimensional data to identify fraud risks,and uses intelligent technology to build a smart auto insurance anti-fraud system,which will change the operating efficiency of the auto insurance industry,protect the legitimate rights and interests of consumers,and promote the entire The healthy development of the auto insurance industry is of great significance.