Anyone who reports fraudulent insurance shall report to the public security organ. Those who cheat auto insurance are all insurance frauds. Article 18 of the Criminal Procedure Law stipulates: "The investigation of criminal cases shall be conducted by public security organs, except as otherwise provided by law. Crimes of corruption and bribery, crimes of dereliction of duty by state functionaries, crimes of illegal detention, crimes of extorting confessions by state functionaries by torture, crimes of retaliation and framing, crimes of illegal search, and crimes of infringing citizens' democratic rights shall be investigated by the people's procuratorate. Other major criminal cases committed by state functionaries by taking advantage of their functions and powers need to be directly accepted by the people's procuratorates, and may be put on file for investigation by the people's procuratorates at or above the provincial level. "It can be seen that insurance fraud cases should be investigated by public security organs, so they should be reported to public security organs.
There is fraud in telephone insurance.
Anti-fraud method:
One: take the initiative to call.
If you really need insurance, you can directly call the insurance company's toll-free service number to consult insurance. Active phone calls can effectively prevent false phone fraud.
Two: pay attention to the number.
Provisions of the China Insurance Regulatory Commission. All telephone sales numbers set by insurance companies must be reported. And promote it in the local mainstream media. Therefore, you should pay attention to identification when you receive a phone call from auto insurance. If all the telephones of major insurance companies are out of service, you can check online. However, it is best to search the insurance company's website when searching. Look for a mobile phone on the website.
Three: Don't pursue the price excessively.
Fake telephone auto insurance sales often use the concept that consumers value material interests to assure consumers that there are some non-existent after-sales claims service and various publicity brands to deceive consumers. When consumers receive such a call, they should not trust this promise easily, but call the exclusive phone of the insurance company to consult the relevant after-sales claims service.
Four: Ask for contact information
This is a clever move. Because fake telephone insurance salesmen are afraid to disclose personal and company-related information, consumers can ask for the salesperson's job number, name and company address when they receive the relevant phone call. At this time, some criminals will hang up, but some cunning people will make up some addresses. After you hear this information, you can go to the relevant department of the insurance company to verify whether it is true.
Five: Pay attention to the exclusive policy of telephone auto insurance.
The insurance of telephone auto insurance is different from the traditional auto insurance policy and is an exclusive policy. Consumers can compare and verify the insurance policy after receiving it.
Note: Each telemarketing policy will be marked with the words "Telemarketing only", and the clause number will be printed after the printed clause name of the policy. The insured car owner can verify the insurance policy through the customer service phone number of the insurance company or official website. At the same time, after the company sells such policies, there will be a telephone call back from the customer service staff 100%, and the car owners should carefully check their insurance coverage, insurance coverage and other key links.
Six: Call back for verification.
Because the criminals of fake telephone insurance obtain the number similar to the real telephone insurance through the software cracking gateway, the telephone number of fake telephone insurance cannot be dialed back, and consumers can try the authenticity of the number by dialing back.
Seven: Think about the words and logic of salesmen.
Because the management of fake telephone auto insurance companies is not standardized, it is often just a few people who open a telephone auto insurance company by pulling a few telephone lines. Sales staff not only have not received formal training, but also have low quality. Consumers can carefully analyze the words and logic of salesmen and judge each other's quality and ability.
Eight: Pay attention to check messages after handling.
During the purchase process, the insurance company will have many short messages to confirm with customers. For example, after the customer says the information of the vehicle to be insured, the insurance company will send a short message to the customer to confirm that the content is just mentioned. If so, the insurance company will cover the insurance for the customer. Consumers should pay attention to check these short messages, and if they don't receive similar short messages, they should report to the relevant departments in time.