What does the insurance usually ask when it says to investigate?

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Source: Zhihu.

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Anti-insurance fraud is a work promoted by China Insurance Regulatory Commission in recent years. Watching European and American movies is very high. In fact, anti-insurance fraud runs through the daily work of claim adjusters. If there is any doubt about the case, the Property Insurance Association will conduct technical analysis of the accident together with experts in related industries or turn to appraisal institutions in corresponding industries for help, and the personal insurance company will investigate the medical background or social background of the insured.

In fact, this job itself requires enough legal knowledge, so the legal major is also one of the important recruitment directions for insurance companies to recruit claims.

In addition, in China, in most cases, if commercial companies or individuals strictly abide by the laws or regulations of various industries, the freedom of investigation is very, very small, and private detectives can only be regarded as gray industries and are not recognized by the state. There is no difference in legal status between insurance investigators and employees of ordinary companies.

Therefore, in China, insurance fraud discovered by insurance companies, if sufficient evidence is collected, is generally settled privately with the claim adjusters, and rarely handed over to public security organs for prosecution.

If the amount involved is large, the insurance company has also collected a certain degree of evidence, and the claimant is also very tough and will not compromise. The insurance company will also report the case to the public security for investigation.

The problem is that a country's economic investigation often requires the reporter to investigate the facts himself and provide almost enough evidence to close the case directly before officially accepting such insurance fraud cases. The main means of handling cases is to "intimidate" suspects by using the deterrent power of state compulsory organs to make them surrender themselves.

In addition, if you know something about a country's economic investigation system, you will know that the informant may have "case handling funds" after filing a case, and there will be "reward fees" to recover the losses if the case is successfully cracked. These two expenses account for a considerable proportion of the total loss.

To sum up, China's insurance investigators are basically ordinary employees of general commercial insurance companies, with certain legal knowledge and professional technical ability in various industries, and have no special investigation power in law.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.