Chapter 200: Insurance General Mobilization

The conservative and rigid character of the Japanese people dictates that they only believe in what they see with their own eyes. It is not that they do not progress, nor that they do not carry out technological innovation, but such technological revolutions only come from external shocks or the imitation, tracking, and refinement of certain departments within an industry, rather than attempts at technological progress in new fields through random research and development.

From this point alone, Confucian culture has its commonalities: it only reluctantly keeps up when accepting external shocks, but once it keeps up, the overall technological follow-up is particularly fast.

Previously, large insurance companies like Nippon Life were not unaware that Uesugi Muneyuki was very skilled at autopsies, but they had never considered such insurance matters until Manager Takeda of the claims department saw it with his own eyes this time, and only then did he consider this problem for the first time.

No rush, let's watch and see.

Sure enough, Uesugi Muneyuki began his performance: "If I am not mistaken, Mr. Aonuma did not die from jumping off a building to commit suicide; it is most likely that he was hit by a car and died in a traffic accident."

Huh???

Sure enough, Police Inspector Moritsugu could not help himself: "Mr. Uesugi, how is this possible? If it were a traffic accident, then..."

"Listen to me first." Uesugi Muneyuki signaled not to be impatient.

"I understand why you, Police Inspector Moritsugu, made a misjudgment." Uesugi Muneyuki pointed to the wounds on the body: "We all know that the wounds from jumping off a building and those from a traffic accident are different, and one very important difference is that traffic accidents involve buffer injuries."

"Buffer injuries occur when the human body instinctively dodges and adjusts itself upon encountering danger and violent impact, so traces of buffer injuries are left on the body, but there are no traces of buffer injuries on Mr. Aonuma's body."

"Conversely, in cases of suicide by falling from a high place, injuries such as fractures of the feet and legs, lumbar spine fractures, multiple rib fractures, pelvic fractures, and spinal fractures are all present. It is precisely for this reason that you all at the Shinagawa Station determined it to be a suicide by falling from a high place, right?" Uesugi Muneyuki said.

"That is exactly right." Police Inspector Moritsugu thought to himself, how would I know so much? It was just easier to rule it a suicide; there was no need to send it for an autopsy, the family accepted it, and the insurance company agreed to pay the claim, so the case was closed normally. Why so much trouble?

If we have to investigate everything, our Criminal Investigation Division wouldn't be able to handle it even with three times the manpower!

"Actually, that is wrong." Uesugi Muneyuki pointed to the deceased's left leg: "Look, first of all, the fracture of the left leg was not caused by a fall from a height. The injuries from a fall from a height should not be like this. This was clearly caused by being hit by a motor vehicle while crossing the road, first hitting the left leg and causing subcutaneous hemorrhage on the medial side, while the right leg is fine."

"Next, the bruising on the right side of the waist is easy to explain; this is where the car's hood hit the victim's waist, simultaneously causing a pelvic fracture."

"After being lifted onto the hood, the victim's head hit the windshield, and the deceased therefore suffered a spinal fracture."

"At this moment, any driver encountering this situation would brake urgently, and the victim would roll off and fall to the ground due to the reaction force, which is why there are multiple rib fractures."

"Oh oh oh oh oh~" The surrounding onlookers suddenly realized and nodded one after another.

"Sugoi, subarashii!"

So that's how it was!

"In other words, Uesugi-kun, you believe this was caused by a traffic accident?" Police Inspector Moritsugu naturally would not have the slightest doubt about Uesugi Muneyuki's autopsy ability, but he still asked: "However..."

"Yes, normal traffic accidents definitely have buffer injuries, but the victim does not have any." Uesugi Muneyuki nodded. At this time, he turned to Shimakawa Ren and said: "Last night, how much did you drink together?"

Shimakawa Ren's face turned pale: "We drank three bottles of Latour red wine, two bottles of Gekkeikan sake, four mugs of Corona, and a few glasses of mixed gin."

"Right, everyone, please think, under what circumstances can a person, when encountering the danger of an oncoming car, fail to make an instinctive defensive reaction and normally leave buffer injuries?" Uesugi Muneyuki said simply: "There are only two types. One is that they are in a state of coma and were artificially moved to the road, but a person in this state cannot stand upright and can generally only be run over by a car."

"The second is that the victim is in a state of severe alcoholic paralysis and cannot make any reaction."

"Damn." Shimakawa Ren suddenly understood something, and his face turned green: "But, we already called a taxi for him to go home last night!"

"That is not the focus of our discussion." Uesugi Muneyuki said directly: "And judging from his physical state, it is very likely that this guy crossed the road after being drunk, which is why he was accidentally hit by a car. So this is not a suicide, nor is it a murder, but a traffic accident, and even... the speed of the car was not fast; it is hard to be premeditated murder."

"The driver who caused the accident was afraid after realizing they had hit someone, so they sent the deceased here and disguised it as a suicide."

Uesugi Muneyuki summarized, then gave an order directly to the Shinagawa Station: "Police Inspector Moritsugu, please notify the Traffic Division to bring the standard equipment for testing drunk driving to the scene to check the deceased's blood. At the same time... Shimakawa, where were you drinking yesterday?"

"Uh... yesterday we were at XX-cho, XX-chome in Ota Ward..." Shimakawa Ren complained inwardly.

"Very good, then go check the surveillance. The time is from 2:15 AM to 3:15 AM. Check the surveillance near the bar and ask if anyone nearby heard a collision in the early morning. Police Inspector Moritsugu, contact the police station in Ota Ward now."

A chorus of sudden realization broke out all around. From the busybodies to the nearby staff, from the involved parties to all the police officers at the scene, everyone could not help but give a thumbs up to Uesugi Muneyuki.

So that's how it was!

Too strong, Forensic Examiner Uesugi!

Worthy of being called the last trump card of the Metropolitan Police Department! The legendary rookie Forensic Pathologist!

There is no need for an autopsy, no need for evidence; he restored the full picture of the incident just by relying on a superficial autopsy and his eyes!

No wonder since he appeared, the public approval rating of the Metropolitan Police Department has increased from 45% to 87%. At least 30% of that must have been earned for the Metropolitan Police Department by him alone, right?

"Understood, I will notify the station now." Police Inspector Moritsugu already believed it seven or eight parts in his heart. He immediately took out his mobile phone to notify the people from the Traffic Division to come and check, and at the same time notified the Ota Ward Police Station to retrieve the surveillance footage.

After doing all this, Uesugi Muneyuki and Watanabe Minami retreated to the side to wait for the professionals to arrive.

"Holy crap." Shimakawa Ren's face was very ugly: "Strange, we called a taxi for him last night! Why didn't he go home? Mr. Aonuma, to actually die like this?"

"Could it be that Mr. Aonuma got out of the car himself later?" Watanabe Minami's face was flushed. She held Uesugi Muneyuki's arm tightly, thinking that every time she saw Muneyuki-kun perform an autopsy, it was truly supremely wonderful!

No wonder even Ikeda, who is so misanthropic and reports her superiors and colleagues for no reason, would be captured by Muneyuki-kun. It is truly because the way he performs on-site autopsies, on-site reasoning, and gives the direction of the investigation directly on the spot is too handsome!

Similarly, the face of Manager Takeda from the claims department of Nippon Life, who was at the scene, could not stop being excited.

This guy's autopsy ability is really useful!

This time I saw it with my own eyes!

This guy might come in handy in the future; making friends with him now is definitely fine.

Moreover, if what Uesugi Muneyuki said is true, then this 80 million yen insurance money does not need to be paid!

Because according to Japanese insurance rules, in addition to the clause that suicide will be fully compensated after the insurance has been paid for a full year, it also stipulates several situations where there is no compensation. Among them, the insurer can refuse compensation for "gross negligence," while for "general negligence," only the premium will be refunded, and both parties will sit down to negotiate compensation according to a certain percentage of the insured amount. If the negotiation fails, they will seek arbitration or litigation.

Insurance companies love to go to court the most.

Crossing the road in a drunken state is undoubtedly "gross negligence." If the test comes true, then Nippon Life can naturally refuse to pay the insurance money.

Frankly speaking, 80 million is a huge sum for ordinary people, but it is no big deal for Nippon Life. Just like the first two husbands of the Tenkei Yonshimai, the insurance money of 20 or 30 million, Nippon Life was too lazy to even investigate; they just looked at the death report, saw it was fine, and paid directly. Among them, the cause of death of the second husband clearly had a small problem, but Nippon Life didn't take it seriously and just paid the money.

Such a super-large insurance group has a big business and a huge amount of liquid capital, so they don't care about this little money. If they really want to start an internal investigation procedure, the cost of spending countless manpower and material resources to investigate a claim of 20 or 30 million yen cannot even be recovered, not to mention the huge amount of time it would take?

If you are really at a dead end and use your life to exchange for money, we will just pay you!

Recovering the loss of 80 million yen is a trivial matter, but discovering the new use of Forensic Examiner Uesugi is a big deal!

After waiting for a while at the scene, the people from the Traffic Division came, and they brought professional equipment for testing drunk driving.

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

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

And the standard for drunk driving in Japan is higher than 30mg/100ml.

From this point on, the case of the manager of the Tachikawa Construction Company falling to his death has made significant progress. It can basically be determined that the deceased drank an excessive amount of alcohol, became physically paralyzed, and was hit by a car.

Next, we only need to find the scene of the incident and the vehicle involved.

Uesugi Muneyuki, Watanabe Minami, and Shimakawa Ren still went to Shinagawa Station to give their statements.

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

When Uesugi Muneyuki finished giving his statement and writing the Forensic Autopsy Report, he was surprised to find a long row of men in suits sitting outside; they were all sitting upright, holding Briefcases, and when they saw Uesugi Muneyuki come out, the man in the suit at the head of the line stood up, and then the whole row of men in suits began to introduce themselves.

"Hello, Forensic Examiner Uesugi, I am from Japan Post Insurance."

"I am from Tokyo Marine Holdings!"

"I am from Mitsui Sumitomo Insurance."

"I am from Meiji Yasuda Life Insurance."

"I am from Dai-ichi Life Holdings."

"I am from Sompo Japan Nipponkoa."

A series of question marks popped up over Uesugi Muneyuki's head.

What is going on?

An insurance mobilization?

(End of chapter)