Detective Files II

Chapter 321 Accident Insurance
In this way, Guo Xin was added to the list of dead passengers specially listed by Tian Mi to focus on, and because of the huge insurance, she was placed first in the order of investigation by Tian Mi.

While collecting Guo Xin's background information, they also got feedback about Han Jiaai's purpose of going to City E and his online dating girlfriend, which proved to be true. After discovering Meng Qingwei's body, Tian Mi and the others were concerned The nature of the bombing case has been redefined, Han Jiaai's suspicion has also been downplayed, and now it has been proved that his purpose of going to E City is true, and this slick gangster is basically excluded from the scope of suspicion went outside.

Just like Lu Xiangdong's evaluation of Han Jiaai, he thought early on that if what Han Jiaai said was true, that he really had a good girlfriend in E City, and someone offered a ready-made job opportunity, then with his Personality, risking your own life to possibly be threatened to blow up a coach is basically out of character.

Lu Xiangdong also mentioned that if the bomb-throwing criminal puts his own life aside, it is often because he has encountered huge twists and turns in his life, despaired of life, and intends to die together. Otherwise, he will inevitably leave a safe retreat for himself first.

His judgment on Han Jiaai also applies to Meng Qingwei. Although after understanding Meng's life, Tian Mi got feedback that his life was a mess and he had no source of income, but he didn't get in the car. Instead, he sneaked in through the gate of the passenger station, put suspicious luggage in the luggage compartment of the bus and left in a hurry, and was found dead in the suburbs wearing expensive new clothes and shoes. One thing is that Meng Qingwei is not a person who is desperate for life and dares to commit crimes with his life. On the contrary, he also wants to make a profit from this behavior in exchange for living expenses.

And the unknown "employer" behind him is obviously just like him, while creating a tragedy, he cherishes his own life very much.

The reason why Guo Xin was put at the top of the focus of the investigation was because Tian Mi felt that the other people listed by him alone, although there might be a great possibility of antagonism in terms of occupation or identity, after all, they planted bombs for their own personal enmity. However, the cost and risk of trying to blow up a public transport such as a long-distance bus are too great.

However, Guo Xin's situation is different. She has a huge amount of accident insurance under her name. This kind of insurance can only get compensation from the insurance company when the death of the person is really accidental.

The maximum can reach one million yuan. Such a huge temptation of interests is enough to stimulate the evil potential deep in some people's hearts.

Therefore, Tian Mi conducted a preliminary understanding of Guo Xin through the records on the household registration, and mastered her basic information.

Guo Xin, female, 40 years old, unemployed, her husband's name is Qian Rui, and their household registration records show that they have no children.

From the looks of it, this is a full-time housewife.

Which full-time housewife would think of buying herself a huge accident insurance?You know, if you are not engaged in risky occupations, or because of special social background and identity problems, a housewife who lives a comfortable life pays high premiums to buy accident insurance that you will basically never encounter until you are old. No way.

Tian Mi's heart was full of doubts, and she couldn't help but have this association: In order to make a fortune, the husband tricked his wife into buying high-amount accident insurance, identified himself as the beneficiary of this insurance, and then hired someone to treat his wife In order to make the insurance company have no doubts, he insisted on turning this insurance fraud into an explosion, and even recruited a group of innocent passengers to act in this scam.

If you want to confirm whether your speculation is true, the best way is to contact the insurance company that Guo Xin has insured, and directly ask Guo Xin's insurance manager for details.

After He Tianmi talked on the phone, Guo Xin's insurance manager was very positive and immediately said that he would bring relevant materials to the Public Security Bureau in person.

It's not that the other party's awareness is so high that they actively cooperate with the police's work, but that the company is now facing a huge amount of compensation, and I believe the pressure on the insurance manager's shoulders is not small at all.

Insurance people are often swift and resolute and extremely efficient. Sure enough, half an hour after the phone call, Guo Xin's insurance manager was already standing in the office of the serious crime team.

"Officer, hello, I'm Zhang Min who is in charge of Guo Xin's accident insurance, you can call me Xiao Zhang!"

Guo Xin's insurance manager is a young man who looks slightly older than Tian Mi, of medium height, and a little fat. He may be in a hurry to rush over, and the sweat on his forehead slowly flows down his cheeks along his temples. Although Tian Mi was much younger than him in terms of actual age and appearance, and because of professional concerns, he still showed the enthusiasm and humility most common to insurers in front of Tian Mi.

"This is all the information that Guo Xin has insured with me. I don't know which one you will need, so I brought them all." Zhang Min took out a thick file folder from his briefcase and handed it to him. To Tian Mi, he casually took the paper towel handed over by Tian Mi, thanked him and wiped off the sweat on his cheeks, holding the wet towel in his hand like a fan, fanning himself gently, looking around, seeing at a glance Lu Xiangdong looked at him from the side, and immediately grinned at him.

"Nervous?" Lu Xiangdong watched him fan the wind with a tissue.

Zhang Min was stunned for a moment, and replied with a wry smile: "To be honest, it would be a lie to say that I'm not nervous. I've grown up, and I haven't dealt with criminal police. That's one of them. Besides, I'm really worried about this The nature of the matter, it was the first year that Ms. Guo took the accident insurance, and such a thing happened. My boss was still talking to me this morning, saying that I must find out whether it will be that kind again Deliberately causing an accident to obtain insurance money. I am also very afraid of getting into such trouble."

"You are quite honest." Lu Xiangdong nodded in satisfaction, and it seemed that he did not intend to continue talking with him.

Zhang Min scratched his hair, not sure if it was because he was naturally talkative or because of his profession, as if he didn't see the expression on Lu Xiangdong's face that stopped the conversation, he thought he was greeting him, and complained to him: "There are a lot of people, right?" , they all have a prejudice against us as insurance companies, thinking that we are acting on the wind, glib, and have few truths in our mouths all day long. In fact, this is not true. Sometimes our speech may be a little bit more whitewashed, but that is not true. Solution, business needs. I am a straight person with a thin skin, not a good material for insurance. In the past few years, it has been a little better. Don’t say anything heartless before, just say a sentence or a half exaggerated, face They will all be popular. After years of training, I finally got better, and my business has also improved. I'm afraid that if I encounter this kind of thing this time, I will get involved again!"

Although Zhang Min behaved stiffly, his speech was like peas pouring out of a bamboo tube, crackling, almost without a pause. Tian Mi tried to interrupt several times but couldn't get in, so he had to wait for him to finish speaking. Lu Xiangdong They only have the opportunity to speak when they have no intention of speaking at all.

"I took a look just now, and Guo Xin has insured quite a few items through your hands!" She hurriedly asked before Zhang Min opened her mouth again, "Is this your old customer?"

"Ah, yes, speaking of it, Sister Guo is really my noble person!" Zhang Min sighed, and his expression was really a little more sad, "When I met Sister Guo, I graduated from university, and it was not enough to find my current job. It took half a year. At that time, I went out to buy insurance every day, but most of the time people ignored you, and not many people would listen to your self-introduction. I failed to sign the insurance contract for several months, and I was in despair. It’s terrible. In order to make a living, I still have to bite the bullet and continue to work hard. Then, by coincidence, I met Sister Guo on the bus and chatted with her. She heard that I was engaged in the insurance industry, and it was not very smooth. Just say you’re interested and let me go to her house the next day.”

"I originally thought that she looked like a working class, and she was dressed plainly. I guess she was at most asking about pension insurance and so on, but at that time, having hair was not considered bald. In the past, I found out that she was a full-time housewife after I arrived at her home, and then Sister Guo bought some insurance from me. Although the amount was not very large, it was considered a solution to my urgent need. I have always been asked to be responsible, and I will add a little more every year. To be honest, most of my performance is supported by her, and there are many clients who are also introduced to me by her. Sister Guo is really helpful to me. It's huge."

Zhang Min rubbed his cheeks, took out his wallet from his bag, opened it and showed it to Tian Mi: "Look, this is the ID photo I took when I first started working and started running business. Now I put it in my bag." Inside, take a look once in a while to motivate yourself."

Tian Mi took it and glanced at it. The Zhang Min in the photo and the one in front of him seemed to be two completely different people. Except for the facial features, the similarities could be vaguely seen, and the shape of the face was completely out of shape.

"At that time I was sallow and thin, and now I'm half as fat as I was then." Zhang Min put away his wallet, "If it wasn't for Sister Guo who helped me out, I would change my career now, or I wouldn't be able to do it. They're all starving to death."

Everyone could tell that his statement was exaggerated, but his gratitude to Guo Xin was quite sincere.

"About Guo Xin's accident insurance, did she and her husband take out the insurance together?" Tian Mi also felt that Guo Xin's spirit of helping others was very kind, but right now she still needs to understand the key points.

"I haven't been in contact with her husband from the beginning to the end, so I don't know much about whether he knows about it, but she has covered all the insurance types that Sister Guo has, and the beneficiary is herself. "Zhang Min said.

(End of this chapter)