In the past two days, there have been many topics about new energy vehicles, such as new energy exclusive clauses, new energy underwriting difficulties, expensive new energy premiums, high new energy compensation, new energy loss monopoly, and so on. Just now, an AC auto editor interviewed me and asked if I could talk about insurance fraud in new energy vehicles. New energy vehicles and traditional fuel vehicles in the as a fraud props, in fact, there is no difference, are the use of high insurance and low actual value of the interest difference to make a fuss, if exclusive to the new energy vehicle fraud, there is only one possibility, for the new energy battery fraud, that is, to replace the attenuation battery for the purpose of fraud. However, at present, the average age of new energy vehicles on the market is 2-3 years, and this risk is not particularly prominent. The only thing that needs to be mainly is that the first batch of new energy vehicles produced for the purpose of "subsidies" have successively passed the warranty period, and there is such a risk.
No coincidence, just put down the reporter's interview phone, there is a partner of Changan Insurance, providing a series of fraud cases they have recently cracked down on, the main way of fraud is to artificially create a bottom accident, deliberately cause damage to the battery, replace the battery.
Let's start with a few sets of live photos
Without exception, it is a unilateral vehicle drag accident. Some fans will say, how do you prove that these dragging is deliberate? Don't take colored glasses to see if people are good or not.
Indeed, driving on the road, the risk of dragging the bottom is everywhere and can happen at any time. However, the above drag-down accident, the collision object are cleverly controlled in both low enough to avoid the front bar, and can be high enough to just enough to the chassis.
In addition to another coincidence, what if these accident vehicles are all in the same vehicle rental company? What if these vehicles are vehicles that have just been released from insurance, and what about the vehicles that were abnormal in the battery monitoring accident before the accident?
These coincidences together, is there enough reason to suspect that these accidents are deliberately created, in order to replace the old new energy batteries and create fraudulent insurance accidents?
Through data analysis, the partners of Changan Insurance targeted the suspect gang and, with the cooperation of the investigation company, carried out an investigation into this special insurance fraud.
After many rounds of unremitting investigation and visits, we finally found out the way in which the gang fraud and insurance gang headed by Li Mou, a legal person of a new energy vehicle leasing company, had a division of labor and cooperation, had a plan, divided into batches, used insurance contracts, replaced the endurance attenuation battery, and reported the case to the Jin'an District Economic Investigation Brigade in Fuzhou City under the condition of having a large amount of conclusive evidence.
After learning that the insurance company had reported the case to the public security department, the gang took the initiative to contact the insurance company and return all the compensation obtained in Chang'an Insurance Company that had deliberately created a drag accident before, and requested forgiveness.
Xiaobian for the partners of Changan Insurance Company, without unremitting investigation, there will be no current achievements, this insurance fraud case in Chang'an, should be able to draw a conclusion, I believe these gangs will certainly not dare to continue to commit crimes in Chang'an Insurance.
A little regret, the gang's people are still there, the gang owns the new energy vehicles that have been insured, and the careful thinking of letting the insurance company pay for the replacement of the attenuation battery is still there. At present, insurance companies are cautious in underwriting new energy business, restricting the underwriting of some vehicles. But overall, there is a lack of proven underwriting risk identification technology, so it is inevitable to continue to step on the mine. I heard that Taishan Insurance recently cooperated with technology companies to use the portable new energy testing equipment AICS to conduct a comprehensive test of new energy vehicles before underwriting, effectively avoiding the risk of "attenuation battery car" from the mouth.
According to unreliable sources, after the batch of business left Changan Insurance, part of it was transferred to Dadi Insurance. As a long-term partner of Dadi Insurance, A6 Studio also reminds Dadi Partners to pay attention to monitoring the insurance situation of the business, early detection and early disposal. It is believed that after the Battle of Chang'an, the other party has also made up for the pain, made up for the dead, continuously optimized and improved the means of committing the crime, improved the anti-insurance investigation capability, made the case more hidden, made the evidence and flaws less, and made the investigation more difficult. It is recommended that the risk control partners of Dadi Insurance contact the risk control partners of Fujian Chang'an in advance to learn from the experience and prevent problems before they occur. Other insurance company partners who encounter similar insurance fraud methods can also exchange experiences with A6 Studio to build a solid defense line against fraud in new energy vehicles!
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