Men in Jingmen, Hubei Province fell into the river and died. The insurance company refused to pay compensation. How difficult is it to make insurance claims?

A man died in Jingmen, Hubei Province, and the insurance company refused to pay compensation, which also triggered a hot discussion on the Internet.

It happened in 20 16. Zhou Hua of Jingmen, Hubei Province accidentally fell into the river and was found dead. After an in-depth investigation, the local police concluded that Zhou Hua drove into a pond at night and drowned. It can be seen from here that this is an accident and there is no suspense reasoning. It is worth mentioning that when Zhou's family finished his funeral, they began to sort out his belongings. As a result, they found a thick stack of documents, all of which were insurance policies purchased by Zhou Hua. It can be seen from these documents that since 1999, Zhou Hua has bought more than 20 insurances from 1 1 insurance companies. It is worth mentioning that these policies together involve a total insurance amount as high as10.97 million yuan.

When Zhou's family saw these policies, they demanded compensation from the insurance companies of 1 1. However, what people didn't expect was that these 1 1 insurance companies actually made the same decision: refuse to pay compensation. In fact, these insurance companies suspect that Zhou Hua's death was not an accident, but a suicide. The purpose of this is to cheat insurance. The insurance company also vowed to list a series of doubts:

First, within a few months before Zhou Hua's death, he just invested a huge amount of insurance and was suspected of defrauding insurance;

Second, Zhou Hua's companies are poorly managed, owe foreign debts, and have the motivation to cheat insurance;

Third, when Zhou Hua died, he didn't unfasten his seat belt and the window didn't open. He didn't take any measures to save himself, which was more like suicide.

In fact, according to the exemption clause in the insurance contract, once it is confirmed that Zhou Hua committed suicide by cheating insurance, his family will not get any compensation. However, Zhou Hua's family firmly denied the insurance company's claim of fraudulent insurance, and cited several evidences to refute it. In fact, Zhou Hua's daughter said in an interview that Zhou Hua had a high sense of anti-risk and insurance. Zhou Hua often buys insurance for his family as a gift, and the insurance time is not fixed. Zhou Hua's daughter also said that although their family is not rich, it is far from the point where they need to commit suicide to cheat insurance.

It also quickly spread to the internet, and at that time the whole city knew. On the internet, there are people who support Zhou's family and insurance companies, and the parties can be said to be quarreling. In fact, in this case, Zhou Hua's death is actually the most crucial evidence. In fact, the police's analysis is that judging from the trajectory of the car's falling, Zhou Hua did not step on the brakes. However, there is no conclusive evidence that Zhou Hua committed suicide and drowned. At the same time, Zhou Hua has no record of drunk driving or drunk driving, so the police finally decided that Zhou Hua's death was accidental drowning, not suicide. Since then, under the negotiation and mediation of the Insurance Regulatory Bureau and other departments, the insurance company has promised to pay 80% of the insured amount, and this matter has been properly resolved.

It can be seen from this incident that it is actually very difficult to get compensation from insurance companies. Of course, this is understandable. After all, insurance companies also need to conduct risk assessment.