Chapter 241 Where is the Responsibility
Qian Chu was stunned, "Brother Kuan, what do you mean is an accident, right?"
"Isn't that right? Didn't you say that if something happens and I don't understand something, I'll look for you?" Dakuan said, "Then I'll be fine with you now, something will definitely happen."
Qian Chu said ok and asked him, "Brother Kuan, tell me what's going on now? Is my sister-in-law injured? Sprained? Or what's the situation? Is it serious? Was it sent to the hospital?"
"Seriously, quite serious." Dakuan said, "The person fell into the river and was washed away by the water."
Qian Chu was shocked, "Brother Kuan, are you kidding me seriously? Don't scare me!"
"What did I scare you?" Dakuan said, "I have been searching along the river for a long time, but I haven't found anyone yet. It's probably gone!"
Qian Chu felt like he was going crazy. "Brother Kuan, are you sure you are not kidding? People fell into the river. You want to rescue them. Call the police! Call the villagers around you to help you find them!"
"I want to save it too, but I dare not go down. I learned it when I was a child, and then I was flooded once, so I didn't get into the water anymore." Dakuan said, "I just ran all the way and slid into the river, and my clothes were wet."
"Brother Kuan, call the police immediately. This is a matter of human life and not something you can pass without paying attention." Qian Chu reminded, "My sister-in-law is unclear about her life and death, and she cannot report the case because she does not know the specific situation. If she is injured, she must be reimbursed by tickets. You call the police first, maybe there is still a rescue, or she is stuck in a place waiting for someone to rescue her."
The water that can wash away people is definitely not a small ditches or a small canal, or a big river that cannot be frozen in winter. The water flows are still fast, and people will die sooner.
"Then... OK, I'll call the police first." Dakuan said and hung up the phone.
Qian Chu turned around in a hurry. She now felt that someone's life was suffering, but she couldn't do it.
Chen Tian happened to come over, "Sister, what's wrong with you? Is there something wrong?"
Qian Chu looked down at his phone, "I have a young client who just bought two accident insurances from me. I just called me and said that his wife fell into the river and was washed away by water. She couldn't find her. Then she called me and said that she was going to have an accident..." Halfway through, Qian Chu was stunned, "Tiantian, you said that you have to buy two accident insurances for your wife. Are you kind-hearted?"
"Where is the health insurance?" Chen Tian asked casually.
Qian Chu didn't say anything, but the more she thought about it, the more she felt something was wrong, but she could only doubt it. After all, even if it was two accident insurances, it was not a lot of money, and ordinary people could not do anything that would harm the world for such a little money.
She then called Dakuan again, and Dakuan answered, "Hey, sister Qian Chu, otherwise you can report me a case first. With such a big river, I think I'm probably gone, so why waste time?"
Qian Chu replied, "Brother Kuan, I have to have a result when reporting the case. If I die unexpectedly, you must get a death certificate. At this time, you cannot worry about reporting the case. Life is more important than reporting the case. Do you think? Did you call the police there?"
"I reported it, and the police said I would bring people to search along the river to see if I could find someone." Dakuan sighed, "Why is it so hard to live a miserable life? It's rare to wait for her to return to her parents' home after the New Year, and she fell into the river. She is such a worry-free woman."
Qian Chu asked, "Where is the child? Is the child okay?"
"Oh, I didn't take care of my baby, my grandfather is taking care of my baby at home." Dakuan said, "Fortunately I didn't take care of me, otherwise I would have no way."
Qian Chu also felt glad, "Okay, Brother Kuan, if you have any situation there, please contact me at any time!"
After hanging up the phone, Qian Churen was a little confused.
In the early morning of the next day, Qian Chu suddenly received a call from Dakuan, saying that the search and rescue team had searched along the river for a night and finally found the person and was exhausted.
Qian Chu sat in the quilt, holding the phone in his hand, and didn't move for a long time. She spoke in a long tone, "Brother Kuan, I'll report the case to you."
Dakuan immediately said, "thank you, sister Qian Chu."
Qian Chu hung up the phone and fell to the pillow man, and he lost all his strength.
Zhou Chongcheng rubbed his eyes and looked at her, vaguely saying, "Chuchu? What's wrong?"
Qian Chu lay down in bed again, and was silent for a while before saying, "I suspect that I have a customer who cheated on insurance."
Before Zhou Chongcheng woke up, he hummed and said, "What? Have you bought a lot of insurance?"
Qian Chu shook his head, "The insurance is not much. He bought two accident insurance for his wife. When he bought it, I thought he was very good to his wife. He said that his wife often works and is prone to injury... But now thinking about it, he didn't care about how to reimburse the medical expenses at that time, and he was more concerned about the amount of compensation for his death. The key is that he owed a lot of gambling debts outside. The insurance lasted just ten days later, he suddenly called me yesterday and said that her wife fell into the river and just told me that she had been drowned..."
Zhou Chongcheng yawned, "...In the river? Could it be the big river in Dazhouzhuang?"
"Hey? Did you see that river?" Zhou Chongcheng nodded. "When I was looking for Xiaozhouzhuang, I took a wrong fork. Later, I walked to Dazhouzhuang. There was a river on the other side of Dazhouzhuang. It was quite wide and the bridge looked quite old..." He got up a little and said, "Some of the bridge railings are broken. Anyway, it looks like the safety factor is not high, so it is possible to fall down...ah--it's still sleepy..."
Qian Chu pulled the quilt upwards, "You go to bed again, it's still early."
Zhou Chongcheng swam down again, reached out and hugged her in his arms, "...you sleep too..."
Qian Chu didn't move, holding his cell phone in his hand and flipped over, "I can't sleep..."
"If you can't sleep, you can call the police and ask the police to check..." Zhou Chongcheng was silent.
"It doesn't have to be done. Not only will the police investigate, but the insurance company's investigation department will also find out." Qian Chu said, "I think if it's really a fraud in insurance, I'm also responsible for this matter..."
When Zhou Chongcheng heard this, he immediately looked up, "What are your responsibilities? It has nothing to do with you, don't add responsibilities to yourself. After all, who knows the reason? He can't tell you the reason."
Qian Chu put down his phone and got into the bed, "Look at it again. If it is not found out, I will reflect what I know. Recently, I have seen a lot of cases of killing my wife and cheating insurance in the news. Maybe these cases gave my client inspiration."
"It's very likely..." As he said that, Zhou Chongcheng fell asleep again.
Qian Chu was worried and couldn't sleep at all, but it was just two accidental insurances.
After all, Qian Chu rarely got up earlier than Zhou Chongcheng after dawn.
Early in the morning, she didn't plan to eat breakfast, so she packed her things and planned to go to the company. Zhou Chongcheng got up and scratched her head, "No, you have to have breakfast. Can you give me five minutes? I'll make it for you!"
While speaking, I had already taken ingredients such as eggs from the refrigerator.
Qian Chu had already arrived at the door and could only wait again.
Zhou Chongcheng mixed eggs and flour into a paste, and directly gave Qian Chu two egg cakes. It was a thin layer. It was indeed soon. He also wrapped them in ham, lettuce, cucumber and other things. He wrapped them up and put them in a fresh bag and handed them to Qian Chu, "It's okay to eat at the company, but you are not allowed to eat them."
Qian Chu glanced at him, smiled and nodded, "Okay."
When we arrived at the company, there were very few people coming from the field, and only a few internal staff teachers were cleaning the table. When they saw Qian Chu in, several internal staff were surprised, "Mr. Qian, we came too early today."
Qian Chu lay down at the counter, "I have something to look for you!"
Several staff members gathered and asked with a smile, "So serious? What's the matter?"
Qian Chu told Dakuan about it, and then she said, "I'm worried if he has any hidden information... Of course, you can also say that I have read too many news reports, but I always feel a little worried..."
The staff teacher looked at each other and said, "But two accident insurances, even if you die, you will only have more than 100,000 yuan in compensation. It's not true?"
Qian Chu thought for a while and said, "Actually, I think so too. But to be honest, that village is a relatively backward place. Even the road construction was in trouble for a long time. The country built the road halfway, and when it arrived in that village, the villagers insisted on lowering the price with the construction team and asked the other party to build them at half the price to the door. Then the negotiation was not completed, and the road to Xiaozhouzhuang is still muddy roads."
"Uh...that means, we actually think that more than 400,000 yuan is not much money, but for them, it's quite a lot of money, right?" Xiao Pineapple turned her head and looked at the internship teacher, "Are we going to report to the above?"
Qian Chu looked at them, "Because this is completely my personal guess, I just think it's too coincidental, and I'm afraid that the investigation department will ignore the details..." She shook her head, not knowing what she should say to make them understand.
The counter said, "We can't control this, but we can report to the above through Mr. Li, at least, tell the suspicious places. It is their business to investigate them. If we understand them, tell them and do our responsibilities."
After hearing them, Qian Chu sighed, "Then I'll trouble you. I'll get the customer information and you can check the information."
Qian Chu said as he gave Xiao Pineapple a screenshot and asked them to check the information and report it to the above.
Before the early morning meeting, Li Zhen suddenly came in from outside, "Qian Chu, come out with me."
Qian Chu was stunned for a moment, then closed the notebook and stood up and went out, "Mr. Li? You're looking for me."
"You come to my office." Li Zhen glanced at her and went directly to the general manager's office.
Qian Chu followed him over and sat in the office. Qian Chu was not sure about it, and waited for Li Zhen to speak.
Li Zhen sat down behind the office with a cup in his hand and looked at Qian Chu, "Did you have a few internal staff officers in the morning and said you had a customer who cheated on insurance?"
Qian Chu denied, "Li Zhen, I think this is a misunderstanding, right? I didn't say that I had a customer who cheated on insurance."
Li Zhen was stunned, "How could it be? Zhou Dakuan, isn't he your customer?"
"Zhou Dakuan is my customer, and I didn't say he cheated on insurance." Qian Chu said calmly. "I just told several internal staff teachers that I doubted whether he had hidden any hidden information. I am just an insurance salesperson and do not know about verification."
Li Zhen nodded, "I understand. After all, you just doubt it, but you dare not. I can understand."
Qian Chu smiled, "Mr. Li shouldn't understand. If you understand, you won't ask me."
Li Zhen leaned forward slightly and stared at her eyes, "You can modify your words at will, but one thing is certain that your client is indeed suspected of fraud in insurance. I contacted the head office in the morning, and the verification department has called the police."
Qian Chu nodded without answering.
Li Zhen lowered his eyes and smiled, "I don't know what you think about this matter, or what do you think is your responsibility in this matter?"
Qian Chu let out a long sigh, "Mr. Li, to be honest, I really don't think I have any responsibility. For the poor, I personally don't think it can attract anyone's attention. Besides, the two accident insurances, the total death limit is not 40,000 yuan, and there is no question of moral risk. What can two repeated accident insurances mean? If the only thing that makes people doubt about this matter may be that the accident insurance is purchased for only half a month, and the insured died unexpectedly. Mr. Li thinks that as an insurance salesperson, what responsibilities should I bear?"
Before Li Zhen could speak, Qian Chu said again, "Health insurance is in danger, because the salesperson's lack of strict review of the customer group, which is counted in the assessment. But accident insurance is in danger, which is a matter of probability. Today is my customer, and tomorrow is someone else's customer. I cannot bear this responsibility. Of course, if the Insurance Regulatory Bureau stipulates that the future accident insurance will also be considered the responsibility of the salesperson, then I recognize this responsibility, otherwise I don't think I have any problems."
Li Zhen smiled, "Of course you have a responsibility. The responsibility for lax review, what is your customer group? As an agent, don't you do an investigation? Will you not ask the other party's financial situation? Will you not let the other party do what they can? He buys two accident insurance for the same person, and it should attract your attention. How can you not understand this principle? Don't think that accident insurance is only two or three hundred yuan, this is also a convenience for the insurer to observe customers."
Qian Chu nodded, "Everyone understands the truth, but Mr. Li also said that if I only account for accident insurance of two or three hundred yuan, if I count the time cost on such a customer, I would have been unable to continue in the insurance industry. Mr. Li, we cannot treat it as a common phenomenon. I have been in the industry for four years and have only met such a customer. If I judged that I am not a qualified salesperson because of this, I don't think this is a rational judgment. Of course, Mr. Li said that I am responsible for this matter, and I really cannot say that it is completely unrelated. For example, in insurance fraud, I should emphasize the severity of the consequences to the other party. Unfortunately, I did not have a pair of keen eyes and could not see the thoughts behind the customer. This is my fault."
Li Zhen looked at her calmly, "It's my own mistake, I have to admit it. I don't think it's a shame. If you don't have a strict review, it's your responsibility. Today's matter is a warning and a piece of advice. I will inform you later at the early morning meeting. I hope you don't misunderstand and think I'm targeting you. After all, the first thing that customers have made in insurance fraud is Dafu Insurance. If you let it go, who knows if there will be other similar situations in the future?"
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Chapter completed!