Is it true that a man fell into a river and drowned due to insurance fraud?

No matter how careful the plan is, just a small accident may lead to the loss of everything, even your own life.

Boss Li, a 39-year-old native of Wenling, Taizhou, made a calculation: if he sells his old car, he can get back 400,000; but if the car is scrapped in an accident, he can get 500,000 in insurance premiums.

In order to earn an extra 100,000 yuan, Li came up with the idea of ??artificially causing a car accident to defraud insurance, but unexpectedly, something happened when the plan was about to succeed at the last step.

The man driving the Jaguar crashed into the river and drowned, while the woman in the car survived

At 6:30 pm on November 18, the 110 Command Center of the Wenling Public Security Bureau received an alarm: Road section of Sanjia Village, Ruoheng Town , a car fell into the water and someone was trapped in the car.

There is more than one emergency call. One of them was beaten by a woman. She said that the trapped man was a man who was in the same car with her just now, but after the car fell into the river, she escaped and the man was still in the water.

The weather has been quite cold since the beginning of winter, and the sky has darkened early.

When the rescuers arrived at the remote accident scene, the villagers had already fished out the man trapped in the car, and he was lying wet on the river bank.

After on-site rescue, 120 doctors found that the man had no vital signs. After being sent to Wenling Fourth People’s Hospital for continued rescue, he still could not be revived.

The cause of death given by the doctor was: death by drowning and suffocation, with no injuries on the body surface.

The traffic police found the woman who called the police, Zhang, who was a friend of Li. She was 29 years old and divorced.

Zhang described the process of the accident:

An hour ago, she drove the Jaguar car that fell into the water, and set off from Wenling city with Boss Li to go to where he lived. In the factory opened in Ruoheng Town. When passing through this turning section, due to poor visibility, the person and the car rushed into the river. She struggled to get up, but Boss Li did not come up. She called people everywhere, and the villagers rushed over to help.

The traffic police looked at the traces of vehicle movement at the scene and found that there was nothing wrong with what Zhang said. At that time, the crane for salvaging the car was already in place, and the searchlights illuminated the dark corners around it very clearly.

Under the light of the searchlight, the traffic police felt something was wrong, so he asked Zhang: "When you fell into the water, you two went into the water together. Did your bag also fall in?"

< p> Zhang nodded, but the traffic policeman pointed to the mobile phone in her hand: "Then why is your mobile phone dry?"

Turning around again, the traffic policeman saw the mobile phone on the haystack again. A few pieces of clothing were dry to the touch.

Zhang was invited into the traffic police car. She could not explain these questions and her body was trembling.

After a few minutes of silence, she finally said: "This is not an accident, it is man-made."

The two of them summed up several possibilities for the car to accidentally fall into the water

Choose one type of test and there is no problem for many times

The car that fell into the water is still being salvaged, and Zhang started to confess what happened before -

The Jaguar that was involved in the accident belonged to Boss Li, and he bought it He has lived there for five or six years and originally spent more than 800,000. In July this year, he bought a Lincoln sedan and spent nearly 1 million, hoping to sell the Jaguar.

More than a month ago, Boss Li went to the second-hand car market to inquire about prices. He asked several stores and the prices given were all around 400,000. He felt a bit of a loss.

“I don’t know where he got the news, saying that if the car is scrapped in an accident, the insurance company will pay much more.” Zhang said that in order to verify the news, Boss Li went to I asked the insurance company and the answer I received was that it could compensate about 500,000 yuan.

Of course, Boss Li would not have an "accident" on the road just to get an extra 100,000 yuan. He discussed it with Zhang. In the end, the two decided that the most reliable way was to repair the car. Soak it in water. As long as the soaking time is long enough, the car will be scrapped, but the prerequisite is that people must be safe.

At the beginning of this month, the two of them calculated several possibilities for the car to accidentally fall into the water:

1. Boss Li drove the car directly into the river;

2. Boss Li drove the car to the river and pushed it down;

3. With the help of external force, no one took action and let the car drive into the river by itself...

To sum up, The two believed that they were prone to accidents while driving, and that they were easily involved in gangs when pushed into the river. Only the third method was the most reliable, but the question was, how to borrow external force?

Boss Li searched online and found a solution: a vehicle automatic driving device. After activating this device, the vehicle can drive automatically, drive straight, and automatically avoid, which is quite smart.

Boss Li went to buy the simplest device. After buying it, he installed it on the car. He tried it many times and it all worked successfully——

According to the plan, Boss Li first He drove the car to the river and parked it, then installed the device and controlled it through his mobile phone to make the car fall into the water. Then he jumped in and removed the device, creating an unexpected success!

The second step is to find the place where the accident occurred.

Boss Li opened a factory in Ruoheng. The location is very remote. There are small roads in and out, and there is no monitoring. The most rare thing is that there is a winding road near the factory near the river. The river is not deep, making it easy to dismantle the equipment. .

In order to make the play more realistic, on the night of November 17, that is, the night before the accident, he called Zhang who lived in Luqiao and wanted her to be responsible for driving. If the insurance company If asked later, it can be said that the female driver acted carelessly.

That night, the two checked into a room together and discussed the plan for the next day. At around 12 o'clock in the middle of the night, Boss Li went home. He told Zhang that his wife was still waiting at home and they would meet back the next afternoon.

Though I didn’t expect it, I didn’t realize it

The river had just been cleared and dug more than 1 meter deep

In the evening of the incident, the two were driving Starting from downtown Wenling, they arrived at the pre-selected location. They parked the car by the river, installed the automatic driving device, and then the car fell into the water... All the plans went smoothly, except for the last step - the two jumped into the water. In the river, on the one hand, it creates the illusion that people and the car fall into it together, and on the other hand, Boss Li also wants to dismantle the devices in the car.

"The car was fully sealed, so it shouldn't have sunk very fast at that time. In addition, Li judged that the river was not deep at that time, so the two jumped into the river without waiting long," the traffic police said. , Zhang just went down and wet his clothes before going ashore, but Boss Li didn’t show up again after he went down.

"I can't believe it. He said the river is 1 meter deep at most. Why can't he get up after jumping in? And he can swim." Zhang later recalled that she didn't know what happened. .

But according to on-site measurements by the traffic police, the deepest part of the river is more than two meters.

After investigating with the villagers, the traffic police found out that the river was indeed only about 1 meter deep. Coincidentally, just a few days before the accident, the village had just dug the river deeper in order to desilt it. More than 1 meter.

"This is an accident. I guess Li could never have imagined this accident." The traffic police analyzed several reasons for Boss Li's drowning. In addition to the deepening of the water, it should also include fraud. Feeling guilty, the water temperature is cold, and thick clothing becomes heavier when soaked in water.

How to deal with the woman Zhang who conspired together?

Faced with this unusual traffic accident, the traffic police believed that the police station needed to intervene. After Zhang explained the incident, the traffic police handed her over to the Ruoheng Police Station for handling.

But the police station encountered a new problem: How to deal with Zhang?

Obviously, this is not a murder, but an accidental death. If it is suspected of insurance fraud, the insurance company did not receive a call to the police after the accident.

Zhang explained that according to the plan, if all steps went smoothly, she and Boss Li would wait for the car to soak in water for a period of time before calling the insurance company to call the police.

In fact, from the time when the car fell into the water and Boss Li jumped into the river at about 6 o'clock that night, to when the traffic police came to the rescue half an hour later, Zhang only called 110 and did not give any police advice. The insurance company called.

In the end, the police at the police station had no choice but to let Zhang leave.

However, after the accident was handled, the traffic police called the insurance company and informed them of what happened to the car.

At the traffic police team, the insurance company staff told Boss Li’s family that according to the traffic police investigation, the accident was not a traffic accident, but a deliberate act, and the insurance company was not responsible for compensation.

Boss Li’s family members accepted this.