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On-the-spot record of major case: The smile of "corpse" leads to a major insurance fraud case.
Dead people are unconscious, how can they laugh when they meet? This is too scary. What's going on here? 2065438+In February, 2005, a policeman of Wucheng County Public Security Bureau in Shandong Province was leafing through a stack of A4 papers and a stack of photos, and inadvertently stared at a photo. He suddenly felt suspicious: a corpse was lying on a white cloth, revealing a side face and a little blood on his forehead. There was a smile on the corners of the mouth of the body.

It is such a photo. After careful investigation, it leads to a case of insurance fraud gang with as many as 2 1 member in a garage. 20 15 12.25, Wucheng County People's Court pronounced the case in the first instance, and sentenced the defendant Li Changjun to 12 years' imprisonment and fined him 1 10000 yuan, and sentenced the defendant Zhang Wei to seven years' imprisonment and fined him 5/. For the crime of insurance fraud, Liu Xiaolin, Hong Xianchao, etc. 13 defendants were sentenced to fixed-term imprisonment ranging from four years and eight months to eight months, suspended for one year and eight months, and fined from 4 1000 yuan to 3,000 yuan.

Suspected claim, followed by the police

The photo is the alarm material handed by Hebei Cangzhou Taiping Insurance Company. A month ago, Taiping Insurance Company received an application for express delivery. The traffic accident happened in Wucheng: 20 15 1.9. At four o'clock in the morning in the cold north, a Chery car was driving on the south ring road of Wucheng County and collided with an electric car. The young man on the electric car died on the spot.

Among the application materials, there is a traffic accident certificate with the official seal of Wucheng Public Security Bureau and several photos. From the photos, it was gray and foggy at that time. There are farmland on both sides of the scene. Three people in traffic police uniforms are investigating the scene-someone is squatting on the ground, drawing a line next to Chery's car, and the electric car on the ground is broken into several pieces. There is also a person squatting, watching the posture and taking pictures. Another photo is very ceremonial. Three people are busy, with their backs to the camera, walking together in the fog. On their dark uniforms, the words "police" are printed, but everyone has their backs to the camera and no one can see their faces. What surprised the regulator most was the smiling body.

After receiving the police, the Economic Investigation Brigade of Wucheng County Public Security Bureau carefully checked the claim materials and found that there was something wrong with the autopsy report. According to the report, the deceased was a young doctor, male, with a height of 175 cm. He was seriously injured-a comminuted fracture of the pelvis, and the wound on his stomach was 4 cm deep and more than 20 cm long-but the autopsy photos did not show such a big wound. There are only a few vague red blood spots on his snow-white stomach, which is far from the serious injury described. Later, the Economic Investigation Brigade sent police to the local traffic police brigade to understand the situation. After reading the materials, the traffic police brigade said that it was completely ignorant and did not send police to the scene of the traffic accident.

Look at the claim application, in which the insurance beneficiary of Chery Automobile is Li Changjun. After investigation, this person is the owner of a local garage. The garage is located in Wucheng County Development Zone. This is a small yard near the road. It has been running for 67 years. Its full name is "Guangyun Hong Rui Auto Repair Service Center", and there are more than a dozen workers in the factory. The first floor of the yard is a repair shop, and there is a row of houses on the second floor, which is a workers' dormitory. Li Changjun's family also eats and lives upstairs. But when the police arrived, Li Changjun had disappeared. Missing with his wife and two daughters. Although the boss has left, the factory is still open, and several employees are repairing cars, all of which were taken back to the public security bureau by the police.

As soon as the trial was separated, someone immediately said that the traffic accident was fake and was designed by Li Changjun. Even the body is still alive, named Zhu, who works as a logistics worker in the factory and is the nephew of the boss Li Changjun. On the day of the trial, the police found that these people in the factory may have caused many fake accidents, and "Chery car killed people" was just one of them. The Economic Investigation Brigade of Wucheng Public Security Bureau immediately filed a case and pursued Li Changjun and Zhu online.

2065438+At the beginning of March 2005, Zhu spent the Spring Festival in his hometown in Northeast China, and went to high-speed railway station, Panjin City to take out his ID card and prepare to buy a ticket to return to Shandong. Captured by high-speed railway station police and transferred to Shandong Wucheng police. At the same time, Li Changjun is also in Panjin, taking his wife and children home for the New Year. Hearing the news that Zhu was arrested on the high-speed rail, he couldn't sit still and decided to turn himself in. On the afternoon of June 1 1, he drove back to wucheng and walked into the public security bureau to surrender himself.

Li Changjun admitted that he did it himself. In order to get 480 thousand yuan insurance money, he hit an electric car with a Chery car Zhu and two workers in the garage helped him. When the police mentioned several other traffic accidents, Li Changjun nodded and admitted that he planned it himself. At this point, the truth of the whole case came out.

In order to pay off gambling debts, the initial fraud was successful.

Wucheng County belongs to Dezhou City, Shandong Province, bordering Hebei Province, with a population of less than 400,000. It is a relatively small county in Shandong Province. Known as "the hometown of FRP in China". Li Changjun came to Wucheng and worked in a glass steel factory.

Li Changjun was born in Chifeng City, Inner Mongolia. When he was a teenager, both his parents died in a car accident. After reading junior high school, I left school and worked with my relatives at first. Later, I defected to my friends and went to Panjin, Liaoning. I learned to repair cars as an apprentice in a repair shop. In the garage, Li Changjun fell in love and wanted to get married. However, the woman's family doesn't like this foreign orphan. After several obstacles, they reluctantly got married. After the marriage, her parents-in-law still despises Li Changjun, thinking that others are worthless and have been urging her daughter to divorce.

Li Changjun endured until three months after marriage, when his wife was pregnant and his in-laws refused to give birth. He insisted on letting his daughter have an abortion. Li Changjun and his parents-in-law tore their faces and left Panjin with their wives. In 2004, after many twists and turns, Li Changjun and his wife came to Wucheng by bus for the first time and worked in a glass steel factory.

Later, he entered a garage as a technician and worked for another year. The owner of the garage can't afford the salary and wants to sell the factory. A friend knew that Li Changjun was good at repairing cars and took the initiative to borrow tens of thousands of dollars to let him put down the factory.

After taking over, the garage earned 60 thousand to 70 thousand a year, which was not very good, but the life of Li Changjun's family finally stabilized. Until a little thing stimulated him. A boss driving an Audi crashed his car, so he came to the adjuster of the insurance company to repair it, and then he settled the claim. When I arrived at the door, I saw that the garage was poorly equipped and the yard was in ruins. The regulator was not at ease and asked to change places. Li Changjun, who looks good, was anxious and stopped them. He told the adjuster to give himself a chance. If it can't be repaired, he will pay and drive the car to the 4S repair shop for repair.

The adjuster agreed. Li Changjun repaired the car, and several people went out to eat and talked about the car repair shop. The claim adjuster thinks that Li Changjun's craft is good, but the repair shop is too poor in equipment and too small in scale, otherwise there is much to be done. Li Changjun has always kept it in mind. A few days later, he drove to Jinan alone, bought new equipment with the money he saved from buying a house, and borrowed some money to decorate the repair shop.

This transformation changed the fate of the repair shop. Li Changjun got more and more jobs. Two years later, he got closer and closer to the insurance company. Later, he got the qualification of fixed-point maintenance and his business grew. By 2009, Li Changjun had hired more than a dozen workers, with an annual profit of 600,000 to 700,000. Five years later, Li Changjun, a foreigner, finally found a job in Wucheng County. Not only did he not have to worry about not having enough to eat, but he also became a well-known boss in the industry.

Later, Li Changjun was once again changed by a trivial matter. On one occasion, Li Changjun was administratively detained for two weeks because driving without a license hit and injured someone. In the detention center, he met several famous gangsters in Wucheng County. Out of the detention center, several gangsters went to Li Changjun's garage to play cards and watch TV all day. Although he knew that these people were idle, Li Changjun got mixed up with them because of his face-as a foreigner, he had to make more friends.

At first, these friends took Li Changjun to play cards and fight landlords, and the stakes were not big. They won or lost hundreds of dollars overnight. After playing for a while, one night, after drinking some wine, Li Changjun was taken away and played Pai Jiu once-the bet doubled and he lost more than 4,000 yuan overnight. After waking up, Li Changjun didn't take it to heart, and then went to play for a few days, and soon lost tens of thousands of dollars. Later, he became a gambler. While he was losing money, he tried to make a comeback, but he always lost more and won less. After half a year, he rarely stared at the repair shop until the deposit in the bank was almost gone, and someone jumped out at the right time and lent him usury to continue gambling. In 20 12 years, the annual profit of the garage is still 300,000 to 400,000. However, it is still not in arrears.

Li Changjun calculated an account, and usury increased. It's not worth losing the whole garage. If you want to get out of debt, you must make quick money. The repair shop has cooperated with the insurance company for several years, and Li Changjun is familiar with traffic accident claims. He thought of creating a traffic accident and getting insurance money. In 20 12, Li Changjun bought two Audi A6 with loans, and insured them for six or seven times in Shandong, Hebei and other provinces respectively.

The first action was on February 4th, 2012,65438. At seven or eight o'clock this morning, Li Changjun called Yu Yangyang who was working in the factory and asked him to go out and do something. Li Changjun drove an Audi A6 out of the city, drove, stopped at the roadside near Chengongdi in the suburb, and smoked thoughtfully. A few cigarettes later, his friend Liu Xiaolin, who had made an appointment in advance, appeared in another car. Chang-jun li confessed a few words and handed the Audi to Liu Xiaolin. Later, I invited Yu Yangyang to sit by the roadside and watch. Liu Xiaolin started an Audi car, stepped on the gas pedal, rushed forward, drove a few tens of meters, and hit a pile of yellow stones on the side of the road. After the collision, it's probably not enough. Liu Xiaolin retreated, seven or eight meters back, then rushed forward again and hit again. After two crashes, Audi finally ended the traffic accident. The scene was a mess. The rearview mirror on the right side of the car was hung on the tree, and the front bumper, two headlights, front hood, water tank and fan were damaged.

Li Changjun stood by the roadside and took out his mobile phone to call the insurance company. After the phone call, he told Yu Yangyang that he was responsible for impersonating the driver. Yu Yangyang didn't refuse. Although Liu Xiaolin knew it was a scam, he even dared to throw stones and lied himself. If he doesn't dare, he really doesn't look like a man.

Six or seven insurance companies came to the site for investigation. As soon as the last insurance company left, Li Changjun called the next one. Every time he came to see the house, according to Li Changjun's request, Yu Yangyang would tell the surveyor that the Audi car was driven by himself because the electric car accidentally hit a stone. The scene was repeatedly explored, and Yu Yangyang also repeated the lies. Until the traffic police team came to investigate, Yu Yangyang was still pretending to be a driver.

For this traffic accident created out of thin air, four insurance companies paid Li Changjun more than 70,000 yuan. The money hardly stayed overnight, so Li Changjun took it back to the usurer and didn't give it to others.

Collaborate with employees to commit crimes many times.

A month later, Li Changjun drove an Audi again. This time, four workers, including Liu Xiaolin and Zhao Xiaotao, visited their hometown in Inner Mongolia for two days and returned to Shandong via linxi county, Chifeng City. It just snowed heavily and the road slipped. Chang-jun li wanted to think, and told Liu Xiaolin to find a place and take a taxi. Liu Xiaolin got the message and asked Li Changjun, how did you hit it this time? Li Changjun looked at the road and said, find a path and hit a tree.

On a fairly satisfactory path, Li Changjun and three other people got off the bus and stood on the side of the road together, smoking a cigarette, watching Liu Xiaolin retreat to a slope, then rushed straight down and bumped into a tree on the side of the road. The snow rolled down, the front face of the car was damaged and the lid turned over.

Like the first time, Li Changjun called and invited one insurance company after another. Zhao Xiaotao, who thought he was a driver, told every surveyor that he was driving and the road was too slippery. He accidentally bumped into a tree. This time, Li Changjun handled five insurances, and the compensation he received was 1.2 million. Like last time, the money was handed over to the creditor without getting hot in my hand.

In the next two years, Li Changjun stopped taking care of the garage and focused on designing car accidents. 20 13 June, on Xingfu Avenue in Pingyuan County, Li Changjun finished a three-car rear-end collision-his Audi car was in front, a Citroen car was behind, and finally hit a six-wheeled vehicle. But there was a mistake in the design and the timing was not appropriate. Two insurance companies collided at the scene of the accident and found that the owner had taken out multiple insurances. An insurance company called the police, and the traffic police found out seven insurance reports of Audi cars, and ordered Li Changjun to surrender his insurance and return to Inner Mongolia for compensation for hitting a tree.

This mistake did not stop Li Changjun. What he wants is how to make the plan more perfect and reduce mistakes. 20 14 Li Changjun designed three traffic accidents in Wucheng County. He once let an Audi car rear-end a heavy truck and once let a Chery car hit an ordinary Santana. A car owner's Audi Q5, driving without a license, had an accident and went to the factory for repair. Li Changjun took the opportunity to design the collision between Q5 and tractor. All three scenes were successfully settled.

"I am very embarrassed, they are all children." Referring to more than a dozen workers in the repair shop, Li Changjun later said with a smile when asked by the police that except for two mechanics, most of the employees in the repair shop were helped by Li Changjun. Most of these employees are locals. They went to primary school or junior high school and didn't go out to work. They came to the factory to learn the skills of repairing cars. Most of them are in their twenties, and the youngest is only a little over seventeen. Employees are used to Li Changjun's violent temper and admire his craftsmanship. In the repair shop, Li Changjun was uncompromising and didn't ask many questions. Although no one has ever given money, everyone has never refused to help. During the trial, the reason they told the police the most was: "The boss asked me to do a favor, and I was embarrassed to do it."

Interests make people lose their minds and provide clues.

Several claims have been received, ranging from tens of thousands to hundreds of thousands, but the interest of usury is getting bigger and bigger, and Li Changjun still can't fill the black hole. Li Changjun figured that there would be a big accident, get a large sum of insurance money, pay back the loan at one time, and then wash my hands of it.

He knows: "if you want a large amount of insurance compensation, it means that you will not only have a car accident and crash, but also die!" "

2015 65438+1at about 4 am on October 9, Li Changjun woke Zhu and his employees, Yuan Yang and Wu Hao, and told them to go out on business. Four people drove a single-row van, a Chery car and a Dongfeng well-off van to the South Ring Road in Wucheng County. On the bus, Li Changjun prepared an electric bicycle, six or seven isolation piers, three sets of police uniforms bought online, a kitchen knife and a live rooster in his bag.

The distance is gray and foggy. Li Changjun sat in Chery's car and told others to make preparations. When the electric car stopped at the selected road section, Li Changjun started the car, accelerated and crashed into it. The electric car was hit and flew, fragmented and lying on the ground. The front bumper of Chery car is broken and the front windshield is broken. Li Changjun then dressed the other three people in police uniforms and asked them to squat in front of cars and electric cars with rulers, imitating the posture of traffic police investigating the scene of the accident. Li Changjun stood by, took out his mobile phone and photographed their "exploration" actions in front of several people.

Subsequently, according to Li Changjun's request, Zhu took out a rooster and a kitchen knife from the van, aimed them at his neck and hacked them to death on the spot. Then I carried a dead chicken and dropped a piece of blood near the electric car. After the bloody road, Zhu threw the dead chicken into the ditch by the road. At dawn, several people cleaned up the scene and pulled the electric car back to the repair shop. The next day, Li Changjun asked Zhang Wei to print out the self-made accident certificate, autopsy report, death certificate and account cancellation certificate, and took out several pre-carved official seals from the bedroom closet and covered them with corresponding materials.

A few days later, Li Changjun called Zhu and Yuan Yang to the bedroom on the second floor of the repair shop, and moved a single bed into the room, covered with white sheets. In the bedroom, Li Changjun prepared another rooster. The second time, Zhu picked up a kitchen knife, pointed it at the chicken's neck, raised the knife, and killed the chicken, losing half a bowl of blood.

Then Li Changjun told Zhu to take off his clothes and lie on the bed. Zhu did not expect that the person who kicked the body turned out to be himself. In distress situation, he said to Li Changjun, you are not making trouble. Zhu is thirty-one years old and is the nephew of Li Changjun's wife, only two years younger than Li Changjun. He knew that Li Changjun had a big temper and could only lie down with a smile.

Lying in bed, Yuan Yang smeared chicken blood on Zhu's forehead, shoulders and stomach. Zhu felt ridiculous, his stomach was ticklish, and he kept laughing with a touch of chicken blood. Until Li Changjun picked up his mobile phone and told him to close his eyes, changed several angles and took some photos. When taking pictures, Zhu didn't overdo it, trying to hold back his laughter, but the slightly raised corners of his mouth were photographed.

After taking the photo of the corpse, Yuan Yang called for hot water, Zhu took a bath and washed away the chicken blood.

At this point, the traffic accident with a premium of 480,000 yuan was closed. In the fictional event designed by Li Changjun, a young man rode an electric car in the early morning and was killed by a Chery car on the South Ring Road in Wucheng County. He bled everywhere and died instantly. A few days later, Taiping Insurance Company received the courier, read the claim application, and then called the police.

Sins abound, and swords are severely punished.

On September 201May 10, Wucheng Court held a public hearing to hear the case. Through trial, it was found that from February of 20 12 to the end of 20 15 10, Li Changjun, Zhang Wei, Hong Xianchao and others 10 successively designed10 fictitious traffic accidents to commit crimes and defrauded insurance money of more than 697,400 yuan.

The court held that the defendants Li Changjun and Zhang Wei violated insurance laws and regulations, deliberately created insurance accidents and defrauded insurance money. The amount is particularly huge, and its behavior has constituted insurance fraud; Illegal manufacture of official documents and seals of state organs constitutes the crime of forging official documents and seals of state organs. Defendants Hong Xianchao, Zhao Xiaotao, Yuan Yang, Wu Hao and so on 13 violated insurance laws and regulations and defrauded insurance money by deliberately creating insurance accidents, and the amounts reached extremely huge, huge and huge respectively. His actions have constituted the crime of insurance fraud, and the accusation of the public prosecution agency is established. He made a judgment of first instance.