近年来,在我国汽车市场不断发展的同时,机动车车辆保险的增长速度也随之加快。然而,由于保险市场中信息不对称的特点,致使道德风险成为车险经营中的不利因素之一,欺诈骗赔的情况屡见不鲜。针对这一市场现象,本文对投保人和保险人双方进行博弈分析,针对分析结果提出了防范机动车辆保险欺诈骗赔的相关对策,以促进保险市场的健康发展。 In recent years, with the continuous development of China’s automobile market, the growth rate of motor vehicle insurance has also accelerated. However, because of the characteristics of information asymmetry in the insurance market, moral hazard has become one of the unfavorable factors in auto insurance business. Fraud fraud is not uncommon. In view of this market phenomenon, this article carries on the game analysis to both the insured and the insurer. According to the analysis result, it brings forward some countermeasures to prevent the insurance fraud of the motor vehicle and cheat in order to promote the healthy development of the insurance market.