The man fell into the river and died, and the insurance company refused to pay. What will happen if you are found to be faking?

First of all, this is a question-and-answer article, not that I am frying cold rice. This happened in June 2065438+2006. The description of the problem is one-sided and inflammatory. The insurance company has paid, and the parties have been identified as fraudulent insurance. In order to let more people fully understand the truth of the matter, let's introduce the ins and outs of this matter.

1. It happened in Guojiawandui Reservoir, Jingmen City on June 3, 2006. Passers-by found wheel tracks on the side of the road, and the back of the garage was exposed. After receiving the alarm, the local traffic police actively searched and rescued. The deceased was Zhou Hua, who lived in Quanming Community, No.8 Quanming Road, Duodao District, Jingmen City (he had been dead for 3 days when he was found).

Zhou Hua is engaged in business. Since 2000, he has taken out 58 insurances with 1 1 insurance company, 22 of which are his personal accident insurance, and the insured amount reaches more than100000. After the accident, Zhou Hua's family contacted the insurance company to claim compensation, and the insurance company refused to pay compensation.

Before the insurance company refused to pay compensation, Zhou Hua had been married twice and had four children. His company is badly run, heavily in debt, financially strapped, unable to make ends meet, and has bought huge insurance. At the beginning of 20 16, Zhou Hua changed the beneficiary of all insurance from a legal person to a designated person (according to the insurance law, the beneficiary is a legal person, and the death compensation will be treated as an inheritance. If the deceased has a debt dispute before his death, he must repay it first, and the rest can be inherited in the order of heirs. After the beneficiary is designated, the death compensation is paid to the designated beneficiary, and the court cannot freeze it. )。

Appraised by Hubei Pinganxing Road Traffic Accident Judicial Appraisal Institute, when the vehicle passes through the peanut rut, there is no obvious backward, sharp turn, thickening/side pulley trace, which indicates that the vehicle has a high speed from leaving the road to the front, so that the vehicle sinks about 28m away from the foot of the reservoir slope. The seat belt and driver's door are not opened, and there is no obvious self-help behavior.

Based on the above reasons, 1 1 The insurance company decided that there was suicide insurance fraud in Zhou Hua, so it refused to pay at that time.

Three. Court verdict 20 16 On June 4th, the People's Court of Duodao District, Jingmen City, Hubei Province made a judgment as follows.

Judging from the judgment and the responses of various insurance companies afterwards, 1 1 the insurance company pays, but the payment is based on the legal beneficiary (repayment of debts). Some companies even use it for publicity, explaining the company's solvency.