Research on Prevention of Auto Insurance Fraud

• Main Authors: Lin,Tzu-Kuei, 林子貴
• Other Authors: Chiang,Ta-Cheng
• Format: Others
• Language: zh-TW
• Published: 2016
• Online Access: http://ndltd.ncl.edu.tw/handle/68180778244282444623

碩士 === 崑山科技大學 === 企業管理研究所 === 104 === The growing incidence of insurance fraud has become one of today's crime issues, which not only endanger the insurance market stability, but also affect the economic order of the country. How to make the prevention and control strategies effective has become the focus of the worldwide Insurance Supervisory. This study used case study, literature review, in-depth interview, and focus group interview from the industry, government, and academic experts, explored the following study topics: 1. Where profit was to be gained, no moral sense. 2. Insurance fraud crime had continuously regenerated, which would only have the transition of crime type or have the evolution of trick. Crime itself would not disappear. 3. Only the man who was close to the problem could solve it. 4. Stepping out with cautions, patience, and self-restraint to walk far. 5. Take precautions, get prepared before pouring rain. 6. Integrate every and each one in the industry by sharing information. And hence derived the following feasible tactical actions: 1. Set up the particular unit and assign the person in charge to deal with the relative issues. 2. Enhance internal education and on-job training to build up the curb of the prevention. 3. Firm internal audit and control to maintain the order. 4. Design the product with prudence and cautiousness and establish the database of fraud feature to systematically nose the trick out in the first place. 5. Integrate the notification mechanism and make well use of insurance fraud prevention platform. 6. Regularly share and exchange the information with other industry and expert to follow current trend. 7. Urge the government to pay much more attention to fraud crimes and to promote fraud prevention and control in people’s mind. 8. Prosecute fraud offenders with appropriate statute and clause to deter violators in futures. Hope this study will provide the insurance industry, following researcher, and authorities a well reference on prevention and control of insurance fraud.