Legal analysis: the behavior of auto insurance loss adjusters to determine the loss of repairs that have not happened belongs to insurance fraud (that is, fraud). If the car insurance loss adjuster makes a loss assessment on the repair items that have not happened, it is a fraud to defraud public and private property by fictional facts or concealing the truth for the purpose of illegal possession. If the amount of fraud is large, it constitutes a crime of fraud, and criminal responsibility shall be investigated according to law; If the amount is small, it can be punished by public security. At the same time, the adjuster conspires with others to defraud the insurance money, which is an illegal and criminal act of * * *, and should bear legal responsibility together with others.

Legal basis: Article 266 of the Criminal Law of People's Republic of China (PRC) defrauds public or private property, and if the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated.

Article 49 of the Law on Public Security Administration Punishment: Anyone who steals, swindles, robs, robs, extorts or intentionally damages public or private property shall be detained for more than five days and less than ten days, and may also be fined less than 500 yuan; If the circumstances are serious, he shall be detained for more than 10 and less than 15, and may also be fined less than 1000 yuan.