Los Angeles Detective

  Chapter 232 Hidden Provisions

  With the in-depth investigation, the clues of all parties gathered together, and the chain of evidence for Nancy's suicide gradually became clear.

  Susan once again held a case summary meeting, and Vincent's deputy team was responsible for analyzing Nancy's suicide process.

   Vice-team Vincent took a sip of coffee and cleared his throat, "From the psychological counseling video Luke obtained, it can be seen that Nancy's life is not going well, and the blow of cancer made her lose hope of life.

   In desperation, she thought of suicide.

  But she couldn't let go of her relatives, and worried that the life of her children and husband would be more difficult after her death.

  She thought of the personal accident insurance her husband bought for herself last year.

   At this time, there is a problem. Usually, it is difficult to obtain full compensation for suicide.

  So, Nancy thought of disguising her suicide as killing herself.

   She made a careful plan for this.

   On July 7, she started the first step of her suicide plan. She faked a robbery scene at home and sold the jewelry at home. In order to avoid being tracked by the police, she parked her car in a block without surveillance cameras.

On July 8, Nancy drove a car to a supermarket. In order to avoid being discovered by the police, she deliberately disguised herself, wearing a white hat and a mask. In the supermarket, she bought suicide tools, ropes, candles, etc. Items, also went to a self-service gas station to fill up, and then abandoned the car in a neighborhood without surveillance cameras.

   On July 9, Nancy began to fulfill her last wish, to eat at a three-Michelin-star French restaurant. This should be the most expensive meal she has ever had in her life.

   On July 10, Nancy went to a chain beauty parlor for a full-body beauty treatment, spending as much as two thousand dollars.

  Nancy is a beauty nurse who has been helping clients with beauty treatments. Before she died, she also wanted to try the feeling of being served.

  Her thinking is not difficult to understand.

  Afterwards, Nancy fulfilled her wish, returned to the two-story detached villa of the Cages, and began to commit suicide.

  Nancy first spilled gasoline in the house, then lit the candles, and placed some flammable objects near the bottom of the candles, which had the effect of delaying the ignition.

   Next, Nancy took sleeping pills, covered her mouth with a towel she got from the restaurant, tied her feet with a rope she bought, and finally wrapped her hands.

   Yes, it is indeed winding, not binding. The deputy team emphasized emphatically, took a sip of coffee, and continued,

   "It is difficult for a person to bind his hands, but it is not difficult to fix one end of the rope with his feet and wrap it. If it is a general situation, it is easy to find the difference between winding and binding.

   But this case is different, the fire will burn most of the rope, leaving only some residue, it is impossible to identify whether it is tied or twisted.

   This is also where Nancy is smart.

   In addition, there is another point that can prove that Nancy committed suicide.

  She took sleeping pills before she died, and the flames would produce a lot of smoke, which would lead to suffocation, and Nancy would not have too much pain to die in a coma.

  Before the fire reached her body, she was dead. The charred body looked scary, but it was just a dead body.

  The above is my analysis report on Nancy's suicide plan. "

   After the deputy team finished speaking, everyone fell silent.

  Nancy’s act of committing suicide and fraudulent insurance is wrong, but it also makes people feel sympathetic.

  Xiao Hei said, "Although what I want to say may be inappropriate, I still think that Nancy's suicide has more to do with her personality.

  Actually, Nancy’s life is not particularly difficult. She and her husband both have jobs. Although they are not rich, they have surpassed many families and are definitely not poor.

   I've seen a lot of black families who are poorer than they are, and some are just as happy. "

  The deputy team did not refute Xiao Hei this time, and said, "Actually, I can answer this point. Nancy's real pain comes from the huge difference between ideal life and real life.

  Nancy works in a beauty salon, and all she contacts are rich people. After being in contact with these people for a long time, she will have an illusion that her life should be like this.

  Nancy hopes that she and her children can also live the life of a rich man. To put it bluntly, she wants to cross classes.

   Her pain followed.

  Whether you admit it or not, the world is divided into classes.

  As long as there are people, there will be competition. Everyone wants to climb up. It is not easy to keep the current class.

   If you want to cross the class, reach a higher level.

   Unless you are very capable and lucky, you will have to pay unimaginable effort.

  In this world, if you work hard, you will be rewarded.

   There is no return, and the expectations are not met. The harder you work, the more painful and confused you will be.

  Nancy has been living in this kind of hard work, dissatisfaction, confusion, and pain, which caused her mental tension and anxiety.

   And the arrival of cancer directly crushed her.

  I even suspect that the reason why she got cancer is also related to her mental stress. "

   Luke agrees with the deputy team to a certain extent. He has heard such a sentence, the reason why you suffer is because you know too much.

   Luke couldn't understand this sentence before, and then he also had a period of anxiety and didn't want to do anything.

   Then, he started to watch short videos.

  America is called Tiktok.

   This thing is very addictive. The short video is full of beauties, luxury cars, and beautiful scenery. It is really attractive. Time passes unconsciously, and it takes more than an hour to swipe.

   But after reading it, he found that not only was he not happy, but he was even more anxious and miserable.

Why?

  Obviously there are some beautiful things in the short video, why are you unhappy after watching it?

   Then Luke figured it out.

  Are the beauties on the short video pretty?

   Really TM beautiful.

   Is the luxury car on the short video any good?

Very good.

  Are the scenery all over the world beautiful?

gorgeous.

but!

   None of this belongs to me!

   Compare with your own life...

ah!

   Can you not be anxious?

   Can it be painless?

  Since then Luke understands that contentment is the best.

  Of course, easier said than done, I still make mistakes occasionally.

  The deputy team said, "In fact, not only the poor are dissatisfied with life, but the rich also have their own troubles.

  Like Mrs. Cage, her husband cheated.

   What's even more tragic is that she clearly knew about it, but pretended not to know it.

  She will also suffer, and may even envy the feelings of Nancy and his wife.

this is life. "

  Jenny said, "Anyway, I still feel a little pitiful for Nancy.

  She wanted to use her death to give her family hope, but in the end it was shattered. "

  Luke said, "It's not completely hopeless.

  I asked Andersey Cole for a copy of the policy contract, and asked a lawyer friend to read it.

  According to the lawyer friend, the 20-page policy contract has some hidden clauses.

  If you commit suicide within one year, the insurance company will not compensate you.

  After more than one year of insurance, suicide due to certain extreme reasons, such as major illnesses, mental problems, etc., can be applied to unconventional compensation clauses.

  The unconventional clause states that if the spouse of the insured has an annual income of less than US$100,000 and has minor children, appropriate compensation can be obtained.

   Among them, children under the age of 14 can receive 8% of the insurance compensation amount.

  Children between the ages of 14 and 18 can receive 4% of the compensation amount.

   Calculated in this way, the three children of Nancy's family can get a total of 20% of the compensation amount, which is 200,000 US dollars.

  The most important thing is that the money is still after tax.

  Enough to improve the life of a family.

  Of course, insurance companies may not take the initiative to inform you of these hidden terms, and at the same time, they need to provide relevant supporting materials. "

  Susan nodded, "The usual style of insurance companies.

   Good job, thank you lawyer friend for me. "

"I will."

  Xiao Hei smiled and said, "Hearing you say that, I suddenly feel much more comfortable in my heart.

  Nancy was wrong, but she was indeed pitiful. The two hundred thousand dollars was very important to her family. It could solve many difficulties and ensure the smooth growth of her children. "

  The deputy team laughed, "Although the compensation has nothing to do with me. But those capitalists who sell insurance have plenty of money. Let them bleed, and I feel very comfortable."

  …

  【Congratulations to the host, you have solved the insurance fraud case and rewarded you with 20 lucky draw chances. 】

  Including the previous ten lucky draw chances, Luke now has a total of thirty lucky draw chances.

  Luke didn't wait any longer, and went straight to the lottery draw.

   The pointer stops, the adventure card.

   Speaking of the Adventure Card, this time Luke was able to find that the hand towels in the Michelin restaurant were similar to the cotton cloth in the mouth of the deceased, which was also an adventure.

   Consumed an Adventure Card.

  After that, Luke drew another rifle card and a boxing card.

   These two cards belong to the cards that enhance combat power.

   At the same time, he also received a system reserve of $27,000.

   At this time, the reserve fund of the detective system was as high as 593,000 US dollars.

  Different from the eagerness to cash out a few days ago, Luke now has 800,000 dollars in his hand, which is enough for him for a while, so he has become more Buddhist.

  Of course, money cannot be kept in the bank all the time. Luke also has the idea of ​​starting a side business, but he hasn't thought of a suitable one yet.

   When he was resting, he was ready to study.

  …

   Seven o'clock in the evening.

  International Holiday Hotel.

   This is a five-star hotel.

   And it is one of the few high-rise hotels, where you can overlook the night view of Los Angeles, brightly lit and beautiful.

  Many Hollywood movies are shot here.

  Luke asked Daisy to meet here tonight. After dinner, he directly checked into the hotel room below.

  Luke feels that this is more romantic than at home.

   Daisy walked into the restaurant wearing a long wine-red dress, Luke stood up, and opened the seat for her in a gentlemanly manner.

   "Miss Miller, you are very well dressed today."

  Daisy put down her purse, "I hope I won't be let down again."

   "Absolutely not, whoever dares to release Miss Miller's pigeon, I will definitely take him away."

   The two chatted while ordering food.

  After ordering, the waiter left with the menu.

  Daisy asked, "How about the case you mentioned last time? Are my suggestions useful?"

   "Of course, you were a big help," Luke explained,

   "As you guessed, the person in charge of insurance claims just said that Nancy committed suicide and was not covered by the claim, and didn't tell him the hidden terms.

  Marcus and I arrived in time to tell him the hidden terms.

  The face of the insurance adjuster became very exciting, but he did not deny it, but said that only if the requirements of the hidden clauses are met can the corresponding compensation be obtained.

  And Andersey's family happened to meet those conditions, and he was preparing the relevant procedures and certificates. "

  Daisy took a sip of champagne, "I'm glad I could help them.

  Nancy's approach is not to be advocated, but she, like my mother, is a great woman, at least for her children. "

   "Andersi is also very grateful to you.

  He was crying at that time, and a big man kept thanking him.

  Marcus and I were a little embarrassed because the $200,000 in compensation was very important to them.

   You have been a great help. "

  Luke raised his glass, and the two clinked glasses.

   "Dingling..." Luke's phone rang.

  He put down his wine glass, took out his cell phone and saw that it was his mother's call.

"Hello."

   "Luke, where are you? I haven't been home for a long time."

   "I'm busy with a case these days, I'll take a break in two days, and I'll go back."

   "Are you going to the family dinner this weekend?"

   "Look at the time, if I take a break, I should go."

   "Hey, you forgot, didn't you?"

"What?"

   "Your grandpa's birthday."

  Luke froze for a moment, "Uh, thank you mom, you are my lifesaver, I did forget."

   "Yes, you really should thank me, your grandfather is very vengeful, especially in recent years.

  I used to hear people say that when you get old, your temper will become weird, but I still don't believe it.

  Now I really feel it.

   I hope I won't be like this when I'm old. "

   "Of course not, Miss Sullivan, you will always be young and beautiful."

   "Although I know you are lying to me, I am still very happy. By the way, you can invite Daisy to Robert's birthday party.

  Originally, I wanted to invite in person, but I was worried that she would be embarrassed, so it is better for you to invite. "

   "OK, I see." Luke said perfunctorily, and hung up the phone.

  Daisy guessed, "Is it Linda's phone?"

   "Yes, she missed me, and asked me to go home for dinner during my break. Maybe the little fat man made her angry, and asked me to go back and help him beat him." Luke joked.

   "No way, last time I felt that your brother's personality is not bad."

   "Well, that means you don't know him well."

   The two chatted while eating.

  Luke didn't mention Robert's birthday, let alone invite Daisy to go with him.

  Based on Luke's understanding, Daisy probably wouldn't want to participate in such activities.

   Besides, the two are now friends.

  What is bubble friend?

   We are friends on the surface, and we can make an appointment in private.

  Since they are friends on the surface, there is no need to involve too much.

   After having a romantic dinner, the two stayed in the **** suite downstairs. The entire suite was pink. Unlike ordinary double rooms, the bed here was also round.

   There is also a large bathtub next to the window, which is big enough to accommodate two people. You can enjoy the night view of Los Angeles while playing in the water.

  Dating in a hotel is also a bit of fun.

  The two have not played poker since the shooting.

  Tonight is Xiao Biesheng's newlyweds, and it is destined to be a sleepless night.

   The case is finished.

   To sort out the follow-up outline, there is a bit of a card.

   There are only 4,000 words tonight.

   Be steady.

  (end of this chapter)