Tokyo Unnatural Forensics

Chapter 196, Insurance Mobilization

The conservative and rigid character of the Japanese determines that they only believe in seeing is believing. It is not that they are not making progress or not carrying out technological innovation, but this kind of technological revolution will only come from the impact and introduction from the outside, or the imitation and tracking of certain departments within the industry, rather than random attempts at technological progress in new fields of research and development.

From this point of view alone, Confucian culture has its commonality, that is, it will only keep up reluctantly when faced with external shocks, but once it catches up, the overall technological advances will be particularly fast.

Before, large insurance companies such as Nippon Life Insurance were not unaware that Uesugi Munesetsu was an expert in autopsies, but they had never considered this type of insurance. It was not until Manager Takeda of the claims department saw it with his own eyes that he considered this issue for the first time.

Don't be in a hurry, take a look first and then talk.

Sure enough, Uesugi Munen began his performance: "If I'm not mistaken, Mr. Aonuma did not die by jumping off a building. He was most likely hit by a car and died in a traffic accident."

Ah? ? ?
Sure enough, Inspector Moritsugu couldn't help himself: "Mr. Uesugi, how is this possible? If it was a traffic accident, then..."

"Listen to me first." Uesugi Sosetsu signaled not to be anxious.

"I understand why you, Inspector Moritsugu, made a wrong judgment." Uesugi Muneyuki showed the scars on the body: "We all know that the scars of suicide by jumping off a building and death in a traffic accident are different. One very important difference is that traffic accidents will cause buffer injuries."

"When the human body encounters danger or a violent collision, it will instinctively dodge and adjust its body, leaving traces of cushioning injuries on the body. However, there are no traces of cushioning injuries on Mr. Aonuma's body."

"On the other hand, in cases of high school suicide by falling, there are symptoms such as foot and leg fractures, lumbar fractures, multiple rib fractures, pelvic fractures and spinal fractures. It is for this reason that the people at Shinagawa Police Station have classified it as suicide by falling from a high building, right?" said Uesugi Muneyuki.

"That's right." Inspector Moriji thought to himself, how could I know so much? It's easier to just rule it as suicide. There's no need to send it for an autopsy. The family also accepts it and the insurance company agrees to pay the claim. The case can be closed normally like this. Why are there so many complications?
Everything needs to be investigated. Even if we have three times the staff in the criminal justice department, we still won’t be able to handle it!

"Actually, that's wrong." Uesugi Muneyuki pointed at the deceased's left leg. "Look, first of all, the fracture of the left leg was not caused by falling from a height. Injuries from falling from a height should not be like this. This was obviously caused by being hit by a motor vehicle while crossing the road. The left leg was hit first, causing subcutaneous bleeding on the inside, but the right leg was fine."

"Next, the bruise on the right side of the waist can be easily explained. This is because the car hood hit the victim's waist and caused a pelvic fracture."

"After being pushed onto the hood, the victim's head hit the windshield, causing the deceased to suffer a spinal fracture."

"Any driver who encountered this situation would have braked suddenly, and the victim would have rolled to the ground due to the reaction force, resulting in multiple rib fractures."

"Oh oh oh oh oh~" The onlookers around suddenly realized and nodded.

"S-Country One, S-Barasi!"

So this is ah!

"In other words, Uesugi-kun, do you think this was caused by a traffic accident?" Inspector Moritsugu naturally had no doubts about Uesugi Sosetsu's ability to perform an autopsy, but he still asked, "But..."

"Yes, normal traffic accidents will definitely cause cushioning injuries, but the victim didn't have any." Uesugi Sosetsu nodded, and then he said to Shima Kawanalen: "How much did you drink together last night?"

Shima Kawanren's face turned green at this time: "I drank three bottles of Latour red wine, two bottles of Gekkeikan sake, four bottles of Corona, and a few glasses of mixed gin."

"Yes, please think about it, under what circumstances would a person fail to react instinctively to an oncoming car and suffer a normal buffer injury?" Uesugi Munen said simply, "There are only two situations. One is that he is in a coma and is moved to the road by someone. However, a person in this state cannot stand upright and can only be run over by the car."

"The second is that the victim is in a state of severe alcohol intoxication and he is unable to react."

"Fuck." Shimagawa Ren suddenly realized something and his face turned green: "But, we already called a taxi to send him home yesterday!"

"This is not the point of our discussion." Uesugi Munen said directly, "And judging from his physical condition, it is very likely that this guy crossed the road after being drunk and was accidentally hit by a car. So this is not a suicide, nor a murder, but a traffic accident. Even... the car was not going very fast, so it is unlikely to be a deliberate murder."

"After the driver found out that he had hit someone, he became frightened and sent the deceased here, disguising it as suicide."

Uesugi Sosetsu concluded, and then gave an order directly to the Shinagawa Police Station: "Inspector Moriji, please notify the Traffic Division to bring normal drunk driving detection equipment to the scene to test the blood of the deceased. At the same time... Shimagawa, where did you drink yesterday?"

"Um... yesterday we were at XX town, XX area in Ota Ward..." Shimagawa Ren groaned inwardly.

"Very good, then check the surveillance. The time is from 2:15 to 3:15 in the morning. Check the surveillance near the bar and ask if anyone nearby heard any banging noises in the early hours of the morning. Inspector Moriji, contact the Ota Ward police station now."

There were sounds of sudden enlightenment all around, from the curious people to the nearby staff, from the related people to all the police at the scene, all of them couldn't help but give a thumbs up to Uesugi Sosetsu.

So that's how it is! Too strong, Uesugi Forensic Officer!
As expected, he is known as the last trump card of the Metropolitan Police Department! The legendary rookie forensic pathologist!
There is no need to dissect the body or provide any evidence. The entire incident can be restored simply by performing a superficial autopsy and judging with the eyes!

No wonder the national recognition of the Metropolitan Police Department has increased from 45% to 87% since his appearance, at least 30% of which was earned by him alone, right?

"I understand. I'll notify our station right away." Inspector Moriji was already 70% convinced at this point. He immediately took out his cell phone and notified the traffic section to come and check. He also notified the Ota Ward police station to retrieve the surveillance footage.

After doing all this, Uesugi Sosetsu and Watanabe Minami stepped aside and waited for the arrival of professionals.

"Oh my god." Shima Kawanalen's face was very ugly. "This is weird. We called a taxi for him last night! Why didn't he go home? Mr. Aonuma, how could he die like this?"

"Maybe Mr. Aonuma got off the car again?" Watanabe Minami's face was flushed. She held Uesugi Sosetsu's arm tightly, thinking that every time she saw Sosetsu-kun performing an autopsy, it was such a wonderful conversation!

No wonder someone like Ikeda, who hates men so much and reports his superiors and colleagues for nothing, would be captured by Sou Xuejun. It's because he looks so handsome when he performs autopsies, makes inferences, and directly gives the direction of the investigation!

Similarly, Takeda, the manager of the claims department of Nippon Life Insurance who was at the scene, could not help showing excitement on his face.

This guy's autopsy skills are really useful!
This time I saw it with my own eyes!
This guy might come in handy in the future, so it would be okay to make friends with him first.

Moreover, if what Uesugi Muneyuki said is true, then the 8000 million yen insurance money will not have to be paid!
Because according to Japanese insurance rules, in addition to the clause that suicide will be fully compensated after one year of insurance payment, there are also several situations in which no compensation will be paid. Among them, the insured can be refused compensation in the case of "gross negligence", and only the premium will be refunded in the case of "ordinary negligence". At the same time, both parties sit down to negotiate compensation according to a certain percentage of the insured amount. If the negotiation fails, arbitration or litigation will be sought.

Insurance companies love litigation.

Crossing the road while drunk is undoubtedly "gross negligence". If the test proves this to be true, Nippon Life Insurance can naturally refuse to pay the insurance money.

Frankly speaking, 8000 million is a huge sum of money for ordinary people, but it is nothing big for Nippon Life. Just like the first two husbands of the four sisters of Apocalypse, Nippon Life was too lazy to even investigate the insurance money of or million. They just paid the compensation directly after seeing that there was no problem in the death report. The cause of death of the second husband obviously had some minor problems, but Nippon Life did not take it seriously and paid the money directly.

This kind of super-large insurance group is huge and has a huge amount of liquid capital. It doesn't care about this small amount of money. If it really wants to initiate an internal investigation procedure and spend countless manpower and resources to investigate a compensation of 20 or 30 million yen, the cost cannot be recovered, not to mention the huge amount of time it will take.
If you are really desperate and want to exchange your life for money, we will compensate you!
Recovering the loss of 8000 million yen is a trivial matter, but discovering the new use of Forensic Officer Uesugi is a big deal!
After waiting for a while at the scene, people from the traffic department arrived and brought professional equipment for checking drunk driving.

After a little blood test, the answer was officially revealed.

The alcohol concentration in the deceased's blood was as high as 185mg/100ml.

Japan's standard for drunk driving is higher than 30mg/100ml.

Since then, there has been significant progress in the case of the fall of the director of Tachikawa Construction Company. It can be basically confirmed that the deceased drank too much and became paralyzed, and was hit and killed by a car.

Next, all you need to do is find the location of the accident and the vehicle that caused the accident.

Uesugi Sosetsu, Watanabe Minami, and Shimagawa Ren still went to the Shinagawa Police Station to take statements.

As for Manager Takeda, he went out to make a phone call after his alcohol content was measured.

After finishing the record and writing the autopsy report, Uesugi Sosetsu was surprised to find that there was a long row of men in suits sitting outside. They all sat upright with briefcases in their hands. When they saw Uesugi Sosetsu come out, the leading man in a suit stood up on his own initiative, and then the men in suits in the row began to introduce themselves.

"Hello, Officer Uesugi, I am from Japan Post Insurance."

"I am Tokio Marine Holdings!"

"I'm Sumitomo Mitsui Insurance."

"I'm from Meiji Yasuda Life Insurance."

"I'm from Dai-ichi Life Insurance Holdings."

"I am Sompo Nipponkoa."

A series of question marks appeared in Uesugi Sosetsu's head.

what's the situation?
Insurance mobilization?
(End of this chapter)