novelraw Chapter 471 Accidental Injury Insurance
Chapter 471 Accidental Injury Insurance
Zhang Baoquan's car disappeared in the Sky Eye system for 8 hours.
From 8:00 p.m. yesterday to 4:00 a.m. today, Zhang Baoquan's car appeared in cameras No. 26 and No. 98.
So where did he go during this time?
Have you found Zhang Baoquan's whereabouts during this time?
Under investigation, Zhang Baoquan's mobile phone made 6 calls during this period, and we are verifying them one by one.
There is also Zhang Baoquan's wife, who is also on the way to summon her.
Chen Yan nodded. It was very important to find out where Zhang Baoquan had been during this time.
Why did he come to the northern suburbs, and why did he return in the early morning.
Who did he meet in the middle, and whether it had something to do with his car accident.
Also, check how many vehicles passed the speed camera before and after Zhang Baoquan's vehicle passed the No. 98 camera, especially after Zhang Baoquan's vehicle passed, the vehicles that passed this camera should be checked clearly.
yes!
After Wu Zhiguo came to open the door, Chen Yan lit a cigarette and reviewed the whole case in his mind.
The exact time when Zhang Baoquan's car was involved in the accident must have passed through the No. 98 camera.
Chen Yan walked through this section of the road when he went to the scene, and he knew that the No. 98 speed camera was only about one or two kilometers away from the T-junction where the traffic accident occurred.
This distance can be reached in about a minute by car.
etc!
The cigarette in his hand had been burned out, but Chen Yan didn't seem to notice it.
Something is wrong!
4:03? !
The Tianyan system shows that Zhang Baoquan's vehicle passed the No. 98 speed camera at 4:03 in the morning.
But the watch on the center console of Zhang Baoquan's BMW car shows the time at 4:19!
Zhang Baoquan's BMW sedan has a watch inlaid on the center console.
Because of the violent impact, the dial was shattered long ago, and the hands stayed at 4:19 forever.
However, Zhang Baoquan's car clearly passed the No. 98 speed camera at 4:03.
The time of the Sky Eye system is impossible to be wrong.
The time of 4:03 is definitely no problem.
However, the watch in the BMW stopped at 4:19.
The distance from the No. 98 speed camera to the accident site is less than two kilometers, and it takes two minutes at most to get there by car.
However, why does the watch in the BMW indicate at 4:19?
Is the time on the watch inaccurate, more than ten minutes faster?
But if the travel time is accurate, the time of the accident is 4:19, and the time when the car passed the No. 98 speed camera is 4:03.
Excluding the driving time from the camera to the accident site, the maximum is 2 minutes, what about the remaining 14 minutes?
Where did you go?
At 6 p.m., Wu Zhiguo appeared in Chen Yan's office again.
Captain Chen, we have found Zhang Baoquan's whereabouts last night.
We returned all the six phone calls Zhang Baoquan made after he went out last night.
It is confirmed that after Zhang Baoquan left home last night, he drove out from Exit 28 of the Beijiao Ring Road, and then went to a chess and card room called Juyou Chess in Beijiayuan Community to play mahjong.
Play majiang?
Yes, the person who played mahjong with him at that time has been arraigned in the interrogation room.
Go, go and have a look.
In the monitoring room, there are four monitoring screens, among which is a young woman in the first interrogation room.
This is the person who played mahjong with Zhang Baoquan?
Chen Yan pointed to the young woman on the screen in interrogation room No. 1, slightly surprised.
This woman also looked to be in her twenties, wearing a designer coat and holding a high-end handbag.
Chen Yan, who is proficient in luxury goods, roughly estimated that the clothes on this woman cost more than a hundred thousand.
Such a person would go to the northern suburbs to stay up all night playing mahjong?
No, Team Chen, the woman in Interrogation Room No. 1 is Wang Yue, Zhang Baoquan's wife.
Wife? So young?
It's a second marriage. Zhang Baoquan's financial conditions are good. After getting divorced a few years ago, he found a younger one three years ago. That's her.
Second marriage?
No wonder.
As Zhang Baobaoquan's wife, the detective in charge of the interrogation must have told Wang Yue about Zhang Baoquan's death.
But Wang Yue on the monitor screen had exquisite makeup and decent clothes, but there was no trace of sadness on her face.
Not at all like a wife whose husband has died.
Even, Chen Yan even saw a trace of unbearable joy in the corner of Wang Yue's eyes.
That's right, the rich middle-aged greasy uncle died, and the rest of the property didn't belong to her.
Turning his gaze, Chen Yan looked at the other three screens.
This Wang Yue is currently one of the main suspects of the serious crime team.
Judging from the current situation, Zhang Baoquan's economic conditions are very superior. After his death, the biggest beneficiary is his wife Wang Yue.
However, Chen Yan was not in a hurry, Wang Yue's suspicion was easily confirmed and cleared up.
Zhang Baoquan was killed last night.
Then during this period of time, finding out Wang Yue's whereabouts can confirm whether she is suspected.
It was the three people on the surveillance screens No. 2, No. 3, and No. 4. They were the last people who saw Zhang Baoquan before he was killed.
These people are likely to provide first-hand information.
On the screen in the second interrogation room.
We started playing cards at 8 o'clock last night and ended at 3 o'clock this morning.
Quanzi...oh, it's Zhang Baoquan, there's nothing wrong with Zhang Baoquan.
The card game yesterday was discussed last week. The game Baoquan contacted, he called us over.
This person's name is Guo Kai, and he is the vice president of Northern Urban Investment Company.
Beside Chen Yan, Wu Zhiguo was introducing the general situation: There is also Zhou Tao in interrogation room No. 3, and Ma Xiaoning in interrogation room No. 4. They are all from Northern Urban Investment Company.
They were all Zhang Baoquan's colleagues before.
colleague?
Well, Zhang Baoquan used to work in Northern Urban Investment Company. After resigning 10 years ago, he speculated full-time in stocks and made a lot of money.
I see.
In Interrogation Room No. 3, Zhou Tao was also answering the same question.
These issues were all discussed by the detectives in charge of the interrogation long ago.
The purpose is to compare the words of the three people to determine the authenticity.
None of us have been drinking, Zhou Tao shook his head like a rattle: We all came here by car, Zhang Baoquan, I and Guo Kai, we live in the urban area, Ma Xiaoning is closer to here , living in a fucking old house in the northern suburbs.
Is there anything unusual about Zhang Baoquan last night?
Nothing unusual, he won the most last night, and he said he would treat us to dinner.
Then did he mention anything special to you?
Something special?
As long as there are things that are different from usual, you can talk about them.
Zhou Tao frowned and thought for a while: If you want to say that, there really is one.
Last night, Zhang Baoquan told us that he is going to do a big business recently, saying that as long as the business is done, he will be completely free of wealth.
What big deal?
He didn't say that. He just said that it happened in the past few days, and it became a one-stop service to invite us to Sam's Hotel.
Sam Hotel, the most upscale five-star hotel in Liancheng.
Surveillance room four.
Why did you come to play cards so far away?
This... This chess and card room was arranged by me. It was opened by a friend of mine. We know each other, so it should be safe.
Safe?
This...Mr. Police, we've blocked the lottery, I'm afraid...
Interrogation Room No. 2: It's not that big. It's a hundred yuan. Lao Zhang is lucky. He wins three times. The three of us lose, and his family wins.
Who has lost the most?
Ma Xiaoning and I lost the most. I lost 40,000, and Ma Xiaoning lost 50,000...
By the way, Mr. Police, we are here to cooperate with you to solve the case. In fact, we are not gambling, but the brothers have nothing to do. We will not be detained, right?
...
If a game wins or loses tens of thousands, isn't that considered gambling?
However, compared with Zhang Baoquan's death, this incident is really nothing.
However, the gamble...
Zhou Tao and Ma Xiaoning won or lost 40,000 to 50,000 yuan. Is it possible that they were impatient to lose, so they attacked Zhang Baoquan?
*******************
The information provided by several people can basically be matched.
The boss of the Juyou chess room also confirmed the confessions of the three.
At 20:19 last night, four of Zhang Baoquan entered the No. 6 box of the Juyou chess and card room to play mahjong.
There is a surveillance camera in the chess and card room, which captured a video of four people entering Room 6 to play mahjong.
The specific time was 20:19 last night.
This Juyou chess and card room has a large space and luxurious decoration. Each box has its own bathroom.
Therefore, during the four-person game, except for the waiter who came in and out three times to add tea and water, the four never came out.
The specific time when the four of Zhang Baoquan left the chess and card room was 3:42 in the morning.
At the chess and card room, people have been arranged to check it, and the relevant videos have also been copied back. So far, nothing special has happened.
Find out when these three people returned home early this morning, and then report to me.
yes!
Judging from the results of the current interrogation, Guo Kai, Zhou Tao and Ma Xiaoning, who played cards with Zhang Baoquan, have no obvious traces of crimes for the time being.
However, as Chen Yan guessed, a few people won or lost 100,000 yuan playing mahjong. Is there any possibility of seeing money?
Of course there is.
Therefore, it is necessary to check the whereabouts of the three people this morning.
Leaving the monitoring room coincided with the end of Liu Qingshan's investigation.
Team Chen, Zhang Baoquan's situation has been investigated almost.
Go, go to the meeting room!
meeting room.
Liu Qingshan began to report on the investigation.
Zhang Baoquan, male, 46 years old, a native of Liancheng, worked in Liancheng North Urban Investment Company for more than ten years in his early years. Ten years ago, Zhang Baoquan resigned and speculated at home full-time.
Chen Yan had just learned this basic information.
Liu Qingshan investigated for a whole day, apparently more than this information.
On the projection is a photo of a middle-aged man: This man is Zhang Baoquan.
The man in the photo is not tall and a little fat: Zhang Baoquan is very talented in stock trading. He has made a lot of money in the stock market in the past few years since he resigned. After divorcing his first wife Zhang Mo three years ago, he married The current wife is Wang Yue.
According to the investigation, Zhang Baoquan and his ex-wife have a daughter. After the divorce three years ago, the property of the two was divided equally. The mother and daughter moved abroad and have not returned to China until now.
And Zhang Baoquan's current wife, Wang Yue, is a salesperson of a BMW 4S shop. The BMW 7 Series sedan that Zhang Baoquan was involved in a car accident was bought from Wang Yue.
This Wang Yue...is awesome.
Zhang Baoquan is also awesome.
The BMW 4S store seems to be losing money. This is the standard way of selling cars for sale.
Zhang Baoquan's interpersonal relationship is relatively complicated. During his work in Northern Urban Investment Company, Zhang Baoquan was responsible for the external liaison work and met many people, and even after leaving the company, he still kept in touch.
We checked Zhang Baoquan's recent call records, as well as the WeChat chat records on his mobile phone, and found no records of calls from strange calls, and no abnormal chat records.
However, when we investigated Zhang Baoquan's bank records, we found that two weeks ago, Zhang Baoquan's bank account had a large transfer of 3 million yuan.
three million?
Who is the payee?
Li Baotong, it's a person named Li Baotong. We are currently investigating this person's information, and there is no news yet.
Others, is there any other information?
Also, Liu Qingshan operated the projector, which was a copy of an insurance policy: Because Zhang Baoquan's death was probably caused by a car accident, so we contacted the insurance company.
The main purpose is to inquire about the purchase of Zhang Baoquan's vehicle insurance, but at the same time, we found that Zhang Baoquan also has a high-value policy under the name of this insurance company, which is this policy.
After speaking, Liu Qingshan operated the projector to enlarge the policy information.
Policyholder, Zhang Baoquan.
Type of insurance, accidental death.
The insured amount is five million.
The beneficiary... Wang Yue!
What time is it?
Liu Qingshan continued to operate the mouse, the insurance was a month ago!
If you buy the insurance a month ago, the person will die a month later? !
What's so special is that anyone can see that this is suspected of fraudulent insurance.
First, immediately contact Li Baotong, who transferred the money from Zhang Baoquan, to find out why Zhang Baoquan transferred 3 million to him, and send a message as soon as possible.
Zhang Baoquan's death was by no means a simple car accident.
When the accident happened, Zhang Baoquan's vehicle had no brake marks, and the airbag did not pop out. After the accident, Zhang Baoquan's body disappeared, and finally his body was found in a shredder in a pig farm.
Every detail is suspicious.
But now, Zhang Baoquan actually transferred 3 million to other people two weeks before the car accident.
Does the three million have anything to do with Zhang Baoquan's death?
Second, immediately investigate Zhang Baoquan's accident insurance policy.
Zhang Baoquan bought a large amount of accident insurance a month ago, and died in a car accident a month later.
Is there any suspicion of deliberately defrauding insurance here?
Find out who the actual purchaser of this insurance policy is, whether it is Zhang Baoquan himself or someone else, especially Wang Yue, and find out whether she is clear about this insurance policy.
yes!
After the meeting ended, Chen Yan went directly to interrogation room No. 1.
Liu Qingshan was in charge of the investigation, while Chen Yan decided to meet Zhang Baoquan's widow Wang Yue first.
He said last night that he was going to play mahjong, but he didn't tell me where he was going.
I was at home last night and didn't go anywhere, which proves...
I ordered takeaway last night, does that count as evidence?
By the way, the gate of our community is monitored. After I got home yesterday afternoon, I didn't go out.
Wang Yue's expression was very natural, only surprised, not the slightest bit sad.
The exquisite makeup can be seen to be well-groomed. A woman who knew her husband's death and was summoned to the detective team was in the mood to put on makeup.
No need to ask, Chen Yan knew why Wang Yue and Zhang Baoquan got married.
Gracefully stroking the long hair on the forehead, Wang Yue's voice was also very pleasant: You don't doubt me, comrade policeman, let me tell you, Lao Zhang's death has nothing to do with me, I am his wife, What good does it do me if he dies?
It's not necessarily bad, is it?
Pushing open the door of the interrogation room, Wang Yue was slightly taken aback by Chen Yan's words.
Team Chen!
The detective in charge of the interrogation immediately stood up and saluted.
Chen Yan nodded in return, and the detective got up and left.
Wang Yue was not angry because her words were interrupted, but looked at this overly handsome man with some surprise.
Are you their leader?
My name is Chen Yan, you can call me Officer Chen.
Sitting on the chair, Chen Yan didn't answer Wang Yue's question: Do you have any feud with Zhang Baoquan?
Um?
Wang Yue paused slightly: We are husband and wife, although he is much older than me, but we really love each other, how can there be hatred?
He died, and I am also very sad, but life has to go on. I have to look forward to be worthy of Lao Zhang, right?
Since there is no hatred...why did you kill him?
ah?
Wang Yue's face changed completely: Officer Chen, although you are a policeman, you can't talk nonsense.
Can't talk nonsense?
Wang Yue, take a look at this photo first.
Wang Yue, who was slightly puzzled, took a look at the photo Chen Yan handed over, and was a little puzzled: This is it?
This is the photo we took at the scene of Zhang Baoquan's murder. That's all he has left.
That's all that's left of the whole person?
vomit!