美国保险公司设立特别调查机构是出于法定的要求,也是出于自身经营的需要。如加州的保险法典就要求每一个在该州开业的保险公司都必须设立自己的特别调查机构,在该州经营的保险公司负有设立特别调查机构的法定义务。但多数州的立法并没有给保险公司规定必须设立特别调查 The establishment of a special investigation agency by U.S. insurers is due to statutory requirements and also for their own business. For example, California’s insurance code requires that every insurance company that opens in that state must set up its own special investigation agency, and insurers operating in the state have the statutory obligation to set up special investigation agencies. However, most state legislations do not require insurers to set up special investigations