Legal analysis: insurance fraud, of course. If the insurance company finds problems after investigation, it will refuse to pay compensation. If the amount is relatively large, there may be other penalties. But if you don't call the police and the perpetrator escapes, you don't want to pursue the responsibility of the perpetrator. The injury is similar to a fall. There is no trace of a car accident, and there is no record of a car accident in the case. In this case, it is difficult for the insurance company to find evidence of your insurance fraud, and it can usually be reimbursed smoothly.

1. Article 30 of the Social Insurance Law of People's Republic of China (PRC) stipulates: "The medical expenses that should be borne by the third party are not included in the payment scope of the basic medical insurance fund, but should be borne by the third party according to law. If the third party is unable to pay or cannot determine the third party, the basic medical insurance fund will pay in advance. After the basic medical insurance fund pays in advance, it has the right to recover from the third party. " If you are injured because of a traffic accident, it is not covered by medical insurance reimbursement. The medical expenses should be borne by the driver, but for the sake of medical insurance reimbursement, the real cause of injury was concealed.

Second, in the interpretation of Article 266 of the Criminal Law of People's Republic of China (PRC) by the NPC Standing Committee, it is clearly stipulated that "defrauding social security benefits such as pension, medical care, work injury, unemployment and maternity by fraud, forged certification materials or other means belongs to the act of defrauding public and private property as stipulated in Article 266 of the Criminal Law." Concealing the real cause of injury is in line with the situation of defrauding medical insurance money by fraudulent means, so if it reaches the legal amount, he is suspected of fraud.

Three. Explanations of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Fraud Article 1 Whoever swindles public or private property in an amount of more than 3,000 yuan but less than 10,000 yuan, more than 30,000 yuan but more than 100,000 yuan and more than 500,000 yuan shall be deemed as "a large amount" or "a huge amount" as stipulated in Article 266 of the Criminal Law respectively; If a crime is constituted, criminal responsibility shall be investigated according to law.

If it is found out by the insurance company, the salesman who helps you to do insurance will also be punished accordingly, and may not be able to stand in the financial industry in the future. If the amount is too large, it will violate the criminal law.

Legal basis: Article 1 179 of the Civil Law of People's Republic of China (PRC) infringes on others and causes personal injury, it shall compensate the reasonable expenses of treatment and rehabilitation such as medical expenses, nursing expenses, transportation expenses, nutrition expenses, hospital food subsidies, and the reduced income due to absenteeism.

If it causes disability, it shall also compensate for the cost of assistive devices and disability compensation; If death is caused, funeral expenses and death compensation shall also be paid.