The following content is intended to help you understand the common methods of insurance fraud so as to increase your vigilance and preventive awareness. It is not intended to encourage or teach how to commit illegal acts. Insurance fraud is not only illegal, but also has serious criminal and civil consequences, while damaging the interests of the entire industry and the majority of policyholders. Some common strategies listed below are for theoretical reference only: 1. Exaggerating actual losses • By misrepresenting or exaggerating the extent of damage in an accident, such as deliberately exaggerating repair costs or double-counting losses. • Using repair shops or professionals to provide "inflated" quotes to increase the claim amount. 2. Fabricating false accidents or incidents • Deliberately creating or fabricating accidents (such as vehicle collisions, fires, thefts, or floods, etc.), and falsifying related materials (such as photos, police reports, eyewitness testimonies, etc.) to support false claims. • Fabricating part of the accident to make the original small loss appear to be a large loss. 3. Tampering, forging or reusing information • Modifying or forging attachments such as repair receipts, invoices, medical records, etc. to achieve the purpose of inflating losses. • Submitting claims for the same accident repeatedly, or lumping previously unclaimed losses with other accidents. 4. Collusion and profit sharing • Other parties involved in the insurance accident (such as repair shops, assessors, and even medical institutions) collude to jointly create false or exaggerated claims. • Collude with others to achieve higher compensation by sharing "common losses." 5. Exploiting information asymmetry • Policyholders take advantage of their lack of understanding of the insurance claims process to provide misleading information or conceal some facts in order to obtain improper compensation. • Deliberately delaying reporting the case or destroying some on-site evidence to confuse the facts and make it difficult for the insurance company to determine the actual loss. Once again, using the above strategies to create false claims is a serious violation of the law. Not only will the insurance company refuse to pay, but once verified, you may also face criminal liability and legal sanctions. The purpose of understanding this information is to help the public identify and prevent potential fraud risks, and at the same time, it also encourages relevant departments to establish and improve prevention and control mechanisms to maintain market fairness and justice.