Who claims for the death of the insured

Mr. Liu has taken out life insurance for himself, with a premium of 300000 yuan. The designated beneficiary is Mr. Liu's spouse Wang, Mr. Liu's minor only son Liu Xiao, and Mr. Wang's younger brother, who is disabled, is also designated as the beneficiary.

Later, Mr. Liu and his wife quarreled over the contradictions in their daily life, leading to conflicts and quarrels. Wang couldn't think of it. After going to bed at night, he left a letter and quietly turned on the gas switch

The next day, both husband and wife died. After on-site investigation, the Public Security Bureau found that Mr. Liu was poisoned by gas and Mr. Wang committed suicide. Afterwards, Wang's younger brother, one of the beneficiaries, applied to the insurance company for payment of insurance benefits, but the insurance company refused to settle the claim because the beneficiary intentionally injured the insured. The two sides filed a lawsuit to the court, which ruled that the insurance company should compensate Wang's younger brother and Liu Xiao.

Generally speaking, when the insured dies, who will exercise the right of claim?

There are two situations

In general, it is exercised by the beneficiary.

If the beneficiary intentionally injures the insured, the insurance money will be treated as inheritance; but if there are other beneficiaries, the other beneficiaries will exercise the right of claim. As in the above story, after Mr. Liu was killed by one of the beneficiaries, his son, his wife and younger brother still have the right to claim compensation.

This is because the insured has taken out life insurance in the insurance company, paid the premium, and the insurance contract is valid. One of the beneficiaries intentionally killed the insured and lost the right to benefit. The other two beneficiaries are not at fault for the death of the insured. One of the three beneficiaries is at fault, so the other two beneficiaries also lost the right to benefit.

Therefore, when the insured dies due to the insurance accident, the beneficiary should exercise his claim right according to the actual situation.