Claim compensation on behalf of suspected fabricated record of repair shop Pianbao – repair shop, Pianbao, owners – Automotive repair and maintenance industry
PRC "I'm obviously just a vehicle to a repair shop to repair 2 times, how the insurance Peian there are 6? Have 4 times the accident I do not know!" Recently, Fuzhou owners claim that Mr Cheng record was surprised. This is not a case of, this newspaper has repeatedly received information hotline 968 111 such complaints recently. This reporter learned that the province Car insurance Platform for networking, many owners in the renewal premiums go up due to the query system after they found themselves back a lot of strange claims records.
[Case] car in the 4S shop twice a day claims
Mr Cheng has been 4 years of age, he recalled that last year only to escape from danger twice, once was a thief smashed the glass, and the other is a small scratch. In order to save trouble, Mr Cheng put claims to the 4S shop to do all the procedures.
Renewal did not think a few days ago, when an insurance company who claims the previous year, said Mr Cheng, had six times the premium to go up 30% this year. Staff input the vehicle data, the system displays Cheng premiums this year more than 7,000 yuan, more than four years ago for the first time for the new car insurance premium is higher, and last year the premium is only 6,000 yuan. Looking claims records, claims records Cheng discovered many doubts, and once he pulled the 4S shop Service , The same day but there are two claims records; also a continuous record of two days, there are three claims. This 4S shops do not want to give a specific answer, saying only that the insurance company claims records are handled. Cheng said the claim to the car dealers is to save trouble, but this year did not expect trouble.
[Investigation] records often fabricated claims 's Extensive investigation, learned that many owners of dangerous condition in Fuzhou, will select the vehicle to a repair shop full repair and claims handling issues, this approach has the potential to become a vehicle repair shop "compensation fraud," the props.
Provincial Insurance Association who said that many car owners to save trouble, often the car, threw his ID card repair shop, let the insurance agent, and some repair shop in the grasp of these things, the general reported the matter the same day , the next day to Pianbao Gaoge grazing.
In other words, after the repair of dangerous condition of vehicles is lawless part of the key elements of compensation for the fraud. Especially the "direct compensation" agreement (referring to the insured, that owners do not directly pay for the repairs to the repair unit, which commissioned the repair of units directly to the insurance claim, claim compensation charged against the proceeds due from the owner Car repair Section) and the even more exacerbated by the occurrence of fraud Peian.
Insurance company told reporters, commercial auto insurance claims information networking, the repair shop Pianbao surface. Because the number of dangerous condition within a year more than 3 times, no matter to Which insurance companies, premiums must go up, so many owners have found renewal, claims the accident was artificially increased. Over the past can not be shared between insurance companies
claims information, claims increased the number of limited impact on the owners, car owners to replace the second year of the insurance company will be able to enjoy low rates.
Insurance staff collusion repair shop makes Pianbao easy to succeed
However, maintenance of plant Pianbao bad behavior, but also questioned the owner, the insurance company's survey personnel to blame. Since the vehicle has been parked in the repair station claims, the same day or next day to report that insurance companies should be aware that there Pianbao suspect the repair station, why can pay out compensation, but ordinary owners claim their own obstacles, Strict Management of the insurance regulatory authorities should also and taxi companies colluded Pianbao problem.
Reporter also learned that our province Insurance Association is considering compensation fraud will be recorded Auto Repair Works included in the "blacklist."
[Measures] in November execution Travel Insurance claims can not bypass the owners of the new regulatory
Repair works to combat the incidence of fraud Pei An, the insurance regulatory authorities have started plugging the loopholes in the province of property insurance companies these days continues to receive the CIRC issued a "link on the prevention of risk Automobile Insurance , "which called in November of this year, the insurance company can not be auto insurance of nuclear damage, Underwriting rights granted to the company other than the various agencies and personnel, especially the repair unit.
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