所有的保险公司都有被投保人欺诈的危险,即投保人要求获得他们无权获得的赔偿。这些要求可能有各种不同的形式:有些是有限地夸大要求赔偿的数额,在这种情况下,保险公司大多能在确认赔偿要求和估价损失的过程中进行谈判;有些则完全是虚假的要求,实际上根本没有发生损失,也可能包括对一次真正的事故伪造细节以便有理由获得赔偿。在过去的二十年左右,保险公司对欺诈问题比从前重视得多,而且采取越来越多的实际措施加以防止。本文对几个不同的国家作出的反应进行了比较。 All insurers are at risk of being insured by insureds, who claim that they are not entitled to compensation. These requirements may take a variety of forms: some exaggerate the amount of the claim for compensation to a limited extent, in which case insurers are mostly able to negotiate compensation claims and valuation losses; others are entirely false claims , There is virtually no loss at all and may include forging details of a real accident in order to justify reparation. In the last two decades or so, insurers have paid much more attention to fraud than ever before, and more and more practical measures have been taken to prevent them. This article compares responses from several different countries.