In the insurance claim process, the main means of fabricating or exaggerating losses to obtain improper compensation include the following: 1. **Falsification of documents**: Applicants may forge documents such as receipts, invoices, and repair reports to prove the authenticity and amount of their losses. 2. **Assumption of losses**: Some claimants may fabricate accidents or damages, such as claiming that their property was damaged in an accident when in fact such a situation did not occur. 3. **Exaggerated losses**: In the case of real losses, applicants may deliberately exaggerate the value of the losses, for example, claiming that the original price of the damaged items was much higher than the actual purchase price. 4. **Duplicate claims**: For the same loss, multiple claims are made to different insurance companies or the same insurance company. 5. **Fictitious injuries**: In health insurance claims, someone may claim to have experienced a medical condition that did not occur or exaggerate health conditions to obtain more compensation. 6. **Using "fake accidents"**: Colluding with others to create false accidents in order to obtain compensation from insurance companies. 7. **Investment losses**: In commercial insurance, applicants may fabricate losses or exaggerate the time of business closure to obtain compensation. These improper means not only violate laws and regulations, but may also lead to serious legal consequences, such as fines and imprisonment. Insurance companies usually prevent and identify these false claims through investigations, audits and data analysis.