In order to defraud the premium, an insurance agent in Hainan conspired with the applicant to buy a second-hand accident car and insure against high vehicle damage insurance and spontaneous combustion loss insurance, and then ignited the vehicle on the highway to create the illusion of spontaneous combustion< Br > < div class= "contheight" > < / div > on June 30, a ticket disclosed by Hainan banking and Insurance Regulatory Bureau showed that Zhuang Mingwei was banned from entering the insurance industry for life because he colluded with the policyholder to defraud insurance money. In March this year, Hainan banking and insurance regulatory bureau also disclosed a ticket for ping an Chuangzhan insurance sales Service Co., Ltd. Hainan branch and Lu Lina. The company was warned and fined 10000 yuan for employing unqualified insurance agents, and Lu Lina was warned and fined 2000 yuan< Br > < div class= "contheight" > < / div > the news noted that the China referee network also disclosed a criminal judgment of first instance for the arson of Zhuang Mingwei and Liang Qian. The people’s Court of Qiongzhong Li and Miao Autonomous County in Hainan Province found that during August 2017, Zhuang Mingwei negotiated with Liang Qian to buy a second-hand BMW 760 accident car online for the purpose of insurance fraud. Zhuang Mingwei then auctioned a BMW 7-series 760 accident car for 251800 yuan, and used Liang Qian’s ICBC credit card to pay for the purchase of the car and related procedures. Then, Zhuang Mingwei towed the car to the repair shop of Haikou Mingwei Automobile Service Co., Ltd. for maintenance, and Liang Qian paid the relevant repair costs< Br > < div class= "contheight" > < / div > after the vehicle was repaired, on November 17, 2017, Zhuang Mingwei purchased 42969.56 yuan of insurance for the vehicle in Ping An insurance company in the name of Liang Qian, including 1884700 yuan of motor vehicle loss insurance, 1884700 yuan of spontaneous combustion loss insurance, 300000 yuan of third-party liability insurance and other types of insurance. After the vehicle was repaired on December 6, 2017, Liang Qian transferred the vehicle to her name. After purchasing the insurance, Zhuang Mingwei and Liang Qian agreed to create a vehicle Spontaneous Combustion Accident by igniting the vehicle to defraud the insurance. Zhuang Mingwei also informed Liang Qian that the line cover of the co driver’s buckle box had been removed, and the eye medicine bottle containing gasoline was handed over to Liang Qian to ignite the vehicle< Br > < div class= "contheight" > < / div > the judgment shows that at about 20 p.m. on March 2, 2018, Liang Qian drove her BMW alone from Wanling Town, Qiongzhong County, filled up the car with oil at the gas station at the downhill of wushixu, Wanling Town, Qiongzhong County, and drove to the Jiazhang tunnel entrance of Haitun expressway. When she was one kilometer away from Haikou, Liang Qian slowed down the car and opened the co driver’s buckle box while driving the car, Pick up the eye medicine bottle containing gasoline from the central control and spray it on the line in the hole with the cover removed, take out a square towel from the buckle box and throw it into the buckle box, then pick up a lighter from the central control to light the towel and close the buckle box. Then Liang Qian turned off the car and closed the door. After the car burned, Liang Qian called Zhuang Mingwei, and then called 119 and 95511 insurance customer service. After arriving at the scene, the Fire Department of Qiongzhong County found that the burning vehicles were on fire. In order to ensure the safety of passing vehicles, the fire scene was closed and extinguished. After the fire was extinguished, Liang Qian left the scene and returned to Haikou in the car of Zhuang Mingwei, who came from Haikou to pick her up< Br > < div class= "contheight" > < / div > in March 2018, Liang Qian took notes at the fire brigade of Qiongzhong County and handled claims at Ping An insurance company as instructed by Zhuang Mingwei. Later, Ping An insurance company found that the policy was abnormal and did not settle the claim< Br > < div class= "contheight" > < /div> it is worth noting that Zhuang Mingwei is not the first time to cheat on insurance, but a recidivist. The people’s Court of Qiongzhong Li and Miao Autonomous County in Hainan Province found that Zhuang Mingwei was sentenced to five years’ imprisonment on December 20, 2013 for committing insurance fraud and was released on August 2, 2016< Br > < div class= "contheight" > < /div> the judgment shows that Zhuang Mingwei also earned a commission of more than 9000 yuan when buying this insurance. Hainan value-added tax ordinary invoice, motor vehicle comprehensive commercial insurance policy, wechat chat screenshots and transfer records confirmed that Zhuang Mingwei purchased 42969.56 yuan of insurance in the name of Liang Qian. On the same day of insurance, Lu Lina, an insurance salesman, transferred 9084 yuan of commission to Zhuang Mingwei< Br > < div class= "contheight" > < /div> why didn’t the insurance company settle the claim and report the case this time? According to the insurance report materials in the judgment, Ping An insurance company found that the vehicle insurance was abnormal in the process of handling the claim investigation, and the actual purchase value of the vehicle was more than 200000 yuan. The commercial third-party insurance mainly insured by ordinary customers was only 300000 yuan, while the vehicle loss insurance and spontaneous combustion loss insurance were 1884700 yuan, and the insurance amount was nearly 8 times the actual value. Zhuang Mingwei came to the insurance company to propose to insure the vehicle on behalf of the owner Liang Qian, And take the initiative to raise the insured amount by 30% to the maximum value of the system; Secondly, on March 6, 2018, the owner Liang Xi did not cooperate with the insurance company’s investigation. Therefore, there are major doubts about the motivation of the insurance, and the cause of the BMW fire may be arson. The insurance company did not settle the claim< Br > < div class= "contheight" > < / div > the court held that the defendants Zhuang Mingwei and Liang Qian, with the purpose of illegally occupying the insurance money, violated the insurance laws and regulations, fabricated an insurance accident, and defrauded Ping An insurance company of 1884700 yuan, which was particularly huge. Zhuang Mingwei and Liang Qian both have the intention to defraud insurance money subjectively. Objectively, the act of insurance fraud not only violates the national insurance system, but also infringes the property ownership of the insurance company, which is in line with the legal characteristics of the crime of insurance fraud. The acts of the two defendants have constituted the crime of insurance fraud. The defendants Zhuang Mingwei and Liang Qian conspired to set fire to vehicles on the highway to forge a spontaneous combustion accident, endangering the safety of passing vehicles. The acts of the two defendants have constituted the crime of arson. Therefore, the people’s Procuratorate of Qiongzhong County accused the defendants Zhuang Mingwei and Liang Qian of committing the crime of insurance fraud and arson. The facts of the crime are clear, the evidence is reliable and sufficient, the charges are convicted, and the application of the law is correct, which should be supported. In the joint crime, the two defendants cooperate and cooperate with each other, and there is no obvious distinction between primary and secondary, and there is no distinction between primary and accessory offenders. However, the defendant Zhuang Mingwei is the person who brought up the criminal intent and should be higher than the defendant Liang Qian in sentencing< Br > < div class= "contheight" > < / div > finally, Zhuang Mingwei was sentenced to nine years and six months in prison and 40000 yuan in fine for committing insurance fraud and arson; Liang Qian was sentenced to seven years and four months in prison and fined 25000 yuan for insurance fraud and arson.