The legal liability for fraudulent insurance includes:

1. The policyholder/insured party intentionally fabricated the insurance subject matter to defraud the insurance money: falsely claiming that an insured accident occurred when no insured accident occurred. Defrauding insurance money: Intentionally causing property damage to defraud insurance money: Intentionally causing the death of the insured to defraud insurance money: Forging or altering certificates or deliberately exaggerating insurance accidents to defraud insurance money.

2. The insurance company deliberately induced the policy holder to sign unequal terms: failed to truthfully inform the consumer of the policy content, substituted the signature of the policy holder, deliberately failed to settle claims, etc.

There will be three consequences for insurance fraud:

1. If the amount of insurance fraud is relatively large, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 10,000 yuan but not more than 100,000 yuan. :

2. If the amount is huge, the person shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan:

3. If the amount is particularly huge, , shall be sentenced to fixed-term imprisonment of not less than ten years and a fine of not less than 20,000 yuan but not more than 200,000 yuan, or property confiscation.

The sentencing standards for insurance fraud are as follows:

1. Whoever engages in insurance fraud and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined more than 10,000 yuan. A fine of not less than 100,000 yuan or confiscation of property:

2. If the amount is huge or there are other serious circumstances, the sentence shall be not less than five years but not more than 10 years in prison, and a fine of not less than 20,000 yuan but not more than 200,000 yuan, or Confiscation of property:

3. If the amount is extremely huge or there are other particularly serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than ten years and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan, or the property shall be confiscated.

The crime of insurance fraud refers to the policy holder, the insured, or the beneficiary using methods such as fictitious insurance subjects, insured accidents, or creating insurance accidents for the purpose of enabling themselves or a third party to obtain insurance funds. Fraudulent insurance money, a large amount of behavior.

Legal basis:

"Criminal Law of the People's Republic of China"

Article 198

Insurance Fraud Anyone who commits insurance fraud under one of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 10,000 yuan but not more than 100,000 yuan; if the amount is huge or there are other serious circumstances, he shall be sentenced to not more than five years in prison or criminal detention. If the amount is particularly huge or there are other particularly serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than 10 years but not more than 10 years and a fine of not less than 20,000 yuan but not more than 200,000 yuan. Or confiscate property:

(1) The policyholder intentionally fabricates the subject matter of insurance and defrauds the insurance money;

(2) The policyholder, the insured or the beneficiary is responsible for the insured accident that occurs Making up false reasons or exaggerating the extent of losses to defraud insurance money;

(3) The policy holder, the insured or the beneficiary fabricating insurance accidents that have never happened to defraud insurance money;

(4) The policy holder or the insured intentionally causes an insured accident to cause property damage and defrauds the insurance money;

(5) The policy holder or the beneficiary intentionally causes the death, disability or loss of the insured. Illness, cheating on insurance money.

Any act listed in items 4 and 5 of the preceding paragraph that simultaneously constitutes other crimes shall be punished in accordance with the provisions of concurrent punishment for multiple crimes.

If a unit commits the crime in Paragraph 1, the unit shall be fined, and the person directly in charge and other directly responsible persons shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention; if the amount is huge or there are other serious circumstances If the amount is particularly huge or there are other particularly serious circumstances, the offender shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years; if the amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years.

If appraisers, certifiers, and property appraisers of insurance accidents intentionally provide false certification documents to provide conditions for others to commit fraud, they shall be punished as criminals of insurance fraud.