Qingben beauty

Chapter 418 Killing your grandchildren!

"Themselves?" I asked in surprise, "Why? Isn't the thing from a museum?"

Lu Lingguang chuckled lightly and said, "For this exhibition, the Liang family, as one of the patrons, promised to pay all the insurance premiums. In order to save money, they signed a package insurance agreement with Prudential. That is, no matter what was stolen or accidentally damaged, Prudential will only pay a fixed amount, up to 5000 million Hong Kong coins. This kind of insurance is risk controllable for the insurance company, so the insurance premium charged is also It is very favorable, but for an exhibition of this level, such compensation is obviously low, so the Liang family issued a guarantee letter to the exhibition committee, which means that it is above the insurance amount of Prudential. For example, if something happened to those national treasures, the Liang family will pay part of the money themselves, and the cap can reach [-] million in compensation with Prudential."

I said with a huh, "Is that okay too? Are they so rich?"

Lu Lingguang sneered and said, "It's just a trick they played."

"How to say?" I asked humbly.

"They issued the letter of commitment, and then took the Prudential policy and the letter of commitment, and asked the Wu family's insurance company for joint and several coverage." Lu Lingguang took another sip of water and said: "Because there is The letter of commitment means that they own part of the risks and rights in disguise, so the insurance claim they propose is for themselves, so it can be established."

I thought about it, but still don't quite understand.

Lu Lingguang put down the mineral water bottle, looked at me for a while, and said, "They proposed joint liability insurance, which means that if something goes wrong, they will pay [-] million yuan to the exhibition, so they want to take this If the risks are separated, we will find someone to do joint and several insurance, and if something happens, an insurance company will also pay for the claim.”

I still don't understand: "Isn't that the same meaning? Why don't you ask Prudential to accompany you?"

"I still want to save on insurance premiums." Lu Lingguang chuckled and said, "Let's put it this way, if Prudential has an insured amount of 500 million, then the insurance premium must be at least 5000 million. Now Prudential only has a 100 million insured amount. , plus discounts and so on, the Liang family estimated that only 5000 million would be enough, but the Liang family was afraid that something would go wrong and exceed the 5000 million limit, so they insured with the Wu family's insurance company, but they didn't Not all the exhibits are insured, but four of the most precious authentic ones, which will definitely exceed 100 million in compensation in the event of an accident, and they are only insured for loss and damage, but these few authentic ones are the most cherished items of the Taipei Museum. , the probability of problems is very small, so according to the principle of insurance risk comparison, the insurance premium charged is far lower than the package insurance, and they only paid [-] million insurance premiums."

I clapped my palms with an ah, I understand!

They saved 300 million in insurance premiums, but got a guarantee equivalent to [-] million!

Lu Lingguang looked at me and laughed, and said: "I haven't finished yet, the Liang family's insurance at Wu's Insurance Company is not a capped fixed amount insurance, but a full amount insurance, that is, in the event of loss and Damage will be paid according to the market price, do you know what price Lu Li paid for the lost bottle?"

"What price?" I asked in a daze.

"[-] million!" Lu Lingguang raised three fingers.

I was taken aback and said, "It means that the Wu family's insurance company will pay the Liang family [-] million yuan, while the Liang family only needs to pay [-] million yuan? Isn't he still making [-] million yuan?"

How could Lu Li do such a thing to take advantage of the Liang family? !
Lu Lingguang sneered and said, "If that woman hadn't come to make trouble, maybe they would have earned the money, but now, hehe!"

"Then...they really stole it, right? Are they so stupid?" I asked with some hesitation.

If it was really the hands of the Liang family, logically they would only find a way to get rid of him. How could his own people charge up like this and deliberately cause a commotion?
Lu Lingguang said with a slightly restrained expression: "The Liang family also said this at the police station. It is a misunderstanding to say that the woman has mental problems and is a crazy woman. Her behavior cannot be judged according to the behavior of ordinary people. Having said that, if the Liang family really had any ideas, they wouldn't be so stupid as to send such a person to cause a commotion, wouldn't that cause trouble for nothing?"

Unconsciously, I nodded following his words.

Lu Lingguang sneered and said: "They had a good idea. They wanted to push that woman to take the blame, saying that although she hurt Lu Li by accident, they were willing to mediate and pay for Lu Li's medical expenses. We don't have much background and influence in Xiangcheng, so this is just a big deal."

My nodding head froze immediately, and I said, "This...if this is the case, then..."

Then we are bullied for nothing!

"That's why I said they had a good idea." Lu Lingguang said coldly, "I got mad at their lawyer on the spot. I slapped the table at the police station. In front of everyone in the police station, I I called the most famous lawyer in Xiangcheng, Mr. Xing, and I made such a fuss. If the Wu family has any brains, they will not stop looking for me."

I let out a huh, and said very modestly: "Well, can you explain it a little more clearly?"

Lu Lingguang glared at me in displeasure, then crossed his legs, and said with a proud face: "Hmph, you and Lu Li can't learn this! Let me tell you, the case has not been solved now, and It seems that it may not be broken in a short time. According to the regulations, the insurance company must first settle the claim within a certain period of time. When the Liang family took out the insurance, there was a time limit, that is to say, within half a month. If the bottle cannot be found, both Prudential and the Liang family must pay the money first, and there is actually a clause in the insurance agreement signed by the Wu family that the claim must be settled five days earlier than the Liang family's compensation time. Within ten days, the family must come up with [-] million yuan."

I was stunned for a while, and very cooperatively said: "That, so?"

"The Wu family used to be considered a wealthy family, but a few years ago, in order to become an official, they lost some of their property, and because the third generation in power is not focused on business, they have declined rapidly these years. Of course, in terms of assets , They are still rich people in Xiangcheng, but if they want to take out [-] million in cash within ten days, and it is a direct loss of [-] million in cash, they may not be able to make up for this hole. What's more , in Xiangcheng, as long as everyone in the same circle knows the situation of their family, besides, there is a grudge between the Liang family and their family. At this time, no one dares to lend them money, not even a bridge loan. made."

Lu Lingguang's Erlang's legs turned up, and before I could cooperate with the question, he raised his eyebrows and smiled at me: "As for me, I don't have many other things, but I happened to withdraw 5000 million US dollars in cash this morning. At that time, I was so angry that I was arrogant in the police station."

"Arrogant?" I was a little puzzled.

"Well, it's not a big deal." Lu Lingguang's eyes narrowed with a smile, but he said in a disdainful and indifferent tone: "I just patted the table and told the lawyer of the Liang family that I am richer than Lao Tzu." ? I can take hundreds of millions of dollars and kill your grandsons!"

(End of this chapter)