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相处13天即结婚 丈夫指使同伙杀妻骗保300万

2016-09-21 04:36:24   新闻晨报

事后,检察机关已就李某、周某故意杀人案向法院提起公诉。法院公开宣判,判处李某死刑,剥夺政治权利终身; 判处周某死刑,缓期二年执行。

死者家属提继续履行保单

因为李某被判定故意造成被保险人死亡,丧失保险受益的权利。而廖某家人则认为,他们具有保险金的继承权。从而要求保险公司对两份人身意外保险继续履行,但遭到了受保的史带保险公司的拒赔。无奈之下,廖某家人将史带保险告上法庭。

法庭上,廖某的家属方认为,人身意外保险是死者所购买,虽然是被别人雇凶所杀,但确实是个“意外”,虽然李某因为涉嫌犯罪丧失了收益权,而三名原告系死者廖某第一顺位继承人,有权要求被告给付保险金。依法享有的受益权,相应权益由其他三位原告享有。故要求保险公司给付保险金300万元,并按银行同期贷款利率支付自2016年3月14日起至给付之日止的利息,承担诉讼费用。

史带财产保险股份有限公司则认为,李某的行为构成保险诈骗罪,因其故意造成廖某身故,所以涉案保险合同属于以合法形式掩盖非法目的的行为,主张涉案保险合同应该属于无效合同,保险公司也无需承担义务。此外,保险公司认为根据相应的法律规定,投保人杀害被保险人的,保险公司不承担法律责任。

廖某的家属在庭上提供了一份公证书,证明廖某在保险公司处投保意外保障险,保单生效时间2013年3月9日至2014年3月10日。

廖某家属认为,保单的投保人是廖某。刑事判决书没有明确载明投保人是李某,只是载明李某购买,不能认为李某购买就是投保人是李某。李某当时在和廖某沟通购买保险的时候,李某故意让廖某看到其为前妻购买的保险单,廖某遂产生了也购买保险单的念头,在此情况下,李某帮其询问保险购买事宜,而且据向刑事案件法官了解,保险公司曾经有电话录音向廖某电话询问其投保意愿并进行录音。廖某明确表示该保险是她要购买的。

对此,史带保险公司则辩称,李某才是投保人。“李某与保险网客服的通话录音、录音文字稿,均证明了李某实施了投保行为,其通过网络、电话向中民网咨询购买涉案保险并取得变更受益人所需提供的资料,实际投保了涉案保险。”实际操作人是李某,登记的是廖某。从刑事查明的资料和认定,投保人就是李某,在此情况下存在骗保。现在没有证据证明廖某有自己投保的意愿,反而有证据表明都是李某在操作。

法院将择日对该案做出判决。

责任编辑:孙启浩 cn037
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