自从有了保险业这种社会保障功能以后，社会保险为保障遇险人的基本生活和生产的继续进行，维护社会的稳定，起到了谁也不能替代的作用。然而，一些人利欲熏心，骗赔随着保险业务的开展而滋生。特别是机动车活动范围广，出险地点与投保公司距离运．保险人员不能个个出现场，这 Since the social security function of insurance industry, social insurance has played an irreplaceable role in safeguarding the basic life and production of people in distress and maintaining social stability. However, some people are interested in smuggling and cheating with the development of the insurance business. In particular, a wide range of motor vehicles, insurance locations and insurance companies from the transport distance. Insurance personnel can not appear on the scene, this