In insurance claims, strategies that may be used to exaggerate losses or create false events to obtain more compensation include: - **Fictitious loss facts** - **Creating something out of nothing**: Fabricating a loss that does not exist at all. For example, the insured claims that an expensive antique in his home was stolen on a certain date, but in fact the antique has never been owned, and defrauds the insurance money by forging a series of false evidence such as purchase receipts and traces at the scene. - **Inflating the extent of the loss**: Exaggerating the actual loss. For example, the vehicle has a minor scratch, and the estimated repair cost is only a few hundred yuan, but when the insured reports the case to the insurance company, he claims that the vehicle has been severely collided and many parts are damaged, and demands a high claim, and may even privately damage the vehicle for a second time to increase the appearance of loss. - **Tampering with evidence** - **Forging documents**: Forging various documents related to the loss. For example, forging medical expense invoices, falsely reporting high medical expenses by making false diagnosis certificates, fee details, etc.; or forging property loss lists to inflate the number and value of damaged items. - **Modifying records**: Modifying existing real evidence. For example, tampering with surveillance video, editing out key parts or modifying the content of the picture to make it show a more serious loss scene; modifying photos of the accident scene, adding non-existent damage marks, etc. - **Collusion fraud** - **The insured colludes with others**: The insured colludes with repair shops, medical institutions, etc. For example, the insured and the car repair shop agree to deliberately exaggerate the repair items and costs when repairing the vehicle, and the repair shop collects a certain percentage of the benefits and cooperates to provide a false repair list; or colludes with medical institutions to issue false disease diagnoses and treatment plans to defraud medical insurance funds. - **The insured or the insured colludes with insurance internal personnel**: The insured or the insured colludes with internal staff of the insurance company. For example, in order to promote business and obtain commissions, insurance salesmen help the insured conceal important facts or guide them on how to exaggerate losses to make claims; claims adjusters collude with the insured and deliberately approve unreasonable claims to seek personal gain.