1. The incident occurred on June 3, 2006, 2065438, at the Guojiawandui Reservoir in Jingmen City. Passers-by found wheel tracks on the side of the road, leaving the rear of the garage exposed. After receiving the alarm, local traffic police actively searched and rescued. The deceased's name was Zhou Hua, and he 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 purchased 58 insurance policies from 11 insurance companies, 22 of which are personal accident insurance, with an insured amount of more than RMB 100,000. After the accident, Zhou Hua's family contacted the insurance company to claim compensation, but the insurance company refused to compensate.
2. Before the insurance company refused to compensate, Zhou Hua had been married twice and had four children. His company was not operating well, was heavily in debt, was financially strapped, could not make ends meet, and had purchased huge amounts of insurance. At the beginning of 2016, Zhou Hua changed the beneficiary of all insurances from legal persons to designated persons (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 during his lifetime, it must be repaid first, and the rest can be in the order of heirs. Inheritance. After a beneficiary is designated, the death benefit is paid to the designated beneficiary and cannot be frozen by the court).
According to the Hubei Ping An Road Traffic Accident Judicial Appraisal Institute, when the vehicle passed through peanut ruts, there were no obvious signs of retreat, sharp turns, thickening/side pulleys, indicating that the vehicle was traveling at a higher speed from leaving the road to the front. So high that the car sank about 28m from the foot of the reservoir slope. The seat belt and driver's door were not opened, and there was no obvious self-rescue behavior.
Based on the above reasons, 11 Insurance Company determined that Zhou Hua committed suicide insurance fraud and therefore refused to pay compensation at that time.
Three. Court Judgment On June 4, 2016, the People's Court of Duodao District, Jingmen City, Hubei Province issued a judgment as follows.
Judging from the judgment and subsequent responses from various insurance companies, 11 insurance companies paid compensation, but the compensation was based on the legal beneficiary (repayment of debts). Some companies even use it for publicity to illustrate the company's solvency.