Shadow Empire

Chapter 1199 Refusal to Pay Compensation and Gifts

The greatest asset of a champion racecourse is its racehorses.

If these racehorses, including the stallions, all die unexpectedly, then...

The shareholders drove overnight from the nearby city to get here. They stared in disbelief at the horse heads laid out together, their faces turning red!

Anger, hatred, and countless other complex and intense emotions accumulated and surged within their bodies!
"Boss, we haven't found Lightning's head."

The big boss of the horse farm suddenly looked at the horse trainer who had spoken. He walked over and stood close to him. "You mean, Lightning's head was cut off, but it wasn't discovered like these other horses?"

The horse trainer, feeling the stench emanating from the big boss's voice, could only suppress his discomfort and lower his head. "Yes, Lightning's head is missing."

This statement immediately made the big boss turn around and look at the horse farm manager behind him, who seemed to already know the reason.

After a brief eye contact, the Big Boss rubbed his cheek and asked, "How much did we lose?"

The horse trainer's expression darkened further. Although these losses weren't his own, he was very likely to lose his job.

He didn't want to lose this job. The salary wasn't bad for the industry. Although the work was tiring, at least the income was stable, and they also received a bonus after winning a horse race.

“We… lost all our stallions, as well as some racehorses and third- and fourth-generation racehorses that were being bred.”

"In addition, the horses that were sent to be fostered today also died."

"The other stables were safe. The group tried to set fire to the place before they left, but luckily someone noticed something was wrong and we put out the fire in time."

"so……"

He looked up at his boss and said, "The losses are severe."

This made the big boss burst out laughing, "I thought you were going to tell me that we were lucky."

He shook his head as he spoke, "Did you call the insurance company?"

The racecourse manager came over and said, "I've already made the call."

As they were talking, the insurance company's convoy arrived; they had come from a neighboring city.

The big capitalists in the federal government have a strong sense of "insurance," which also reflects a fact that people often overlook.

That is, private property in the federal government is easily damaged and lost; otherwise, insurance would not be so widespread in the federal government.

This is a very deep-seated social problem, but ordinary people don't easily come into contact with it, so it is often hidden beneath the more complex social surface.

When the insurance company representatives arrived at the scene, they looked very serious. These horses had been insured for a considerable amount, and if they all died, it would be a huge loss for the insurance company.

They may face tens of millions in compensation!
"Sorry to ask you to come in tonight." The horse farm owner shook hands with the insurance company manager, who stared into his eyes for a moment.

Seemingly trying to find something he was trying to hide in his eyes, the other person shook his hand and said after several seconds, "This is really bad news. I didn't hear you all clearly on the phone. Can you tell me what happened now?"

The big boss had the horse trainer repeat the whole thing again, and after listening, he said he wanted to go to the scene to take a look.

The people he brought took a lot of photos, and about forty or fifty minutes later, the insurance company manager arrived at the horse farm's office.

The big boss, who was discussing this with other shareholders, immediately stood up. "How about it?"

The insurance company manager didn't say anything. He walked straight to the desk opposite the boss and sat down. "The scene has been thoroughly investigated, and we have preserved some evidence, but some of it may be invalid because some things have been moved or rearranged."

“This case… to be honest…” he said, then paused, looked at the people around him, and the horse farm owner, realizing what he meant, told everyone else to leave.

After the door closed again, the manager pursed his lips and shook his head. "I have two options."

The horse farm owner realized that the matter was not as simple as he had imagined. "Please speak."

"Our first option is to refund you three times the deposit, and that will conclude the matter here."

He had barely finished speaking when the horse farm owner rejected the proposal in an even louder voice, "That's impossible!"

"Our annual premium is only a little over one million, and even three times that would only amount to a little over four million. You think you can just get away with this for four million?"

The horse farm manager cautioned, "It's actually tens of thousands, because it includes insurance premiums for other horses and other types of insurance, such as for fire or something similar."

"The actual insurance premium you paid for those horses was 50,000 yuan per horse."

"We can only compensate you for the losses you caused, which is 150,000 yuan for each of the dead horses."

The horse farm owner was so angry he laughed. "That's impossible! I absolutely cannot accept that proposal!"

"Say the next one!"

The insurance company manager seemed to already know the answer and wasn't surprised. "The second question is more troublesome. You know, every year many individuals and organizations try to defraud insurance companies and put money that doesn't belong to them into their own pockets."

"Moreover, the amount involved in this case is very large. The head office will send people to investigate. Only after confirming that this is not an insurance fraud case can we fulfill our responsibilities according to the contract."

The horse farm owner wore an incredulous and absurd expression. "Those horses are already dead, lying there. What's the point of investigating such a real fact?"

The insurance company manager maintained his unhurried, businesslike demeanor and attitude: "We need to prove that the deaths of these horses have no direct causal relationship with you, only then will it meet our compensation standards."

“If it was one of your own people who killed these horses to commit insurance fraud, we will not accept that outcome.”

"Fuck!" the horse farm owner couldn't help but curse. "You never said that when you were taking our money!"

The insurance company manager maintained his professional demeanor throughout, saying, "These are all in the contract; I assumed you had already read them."

"By the way, if you induce others to kill these horses through some kind of 'tacit cooperation,' we will not provide compensation."

"If you have any different opinions on this, you can gather evidence and sue us!"

He leaned forward slightly, covering part of his face with his hand, and lowered his voice as if whispering, "More than 70% of the cases in which our company successfully compensated insurers were cases where they won lawsuits against us." After saying this, he sat back down, a slightly mocking expression on his face, "We've met a few times, so I don't want to lie to you, but this isn't my business, it's the company's business, and everything has to go through the procedures."

"Only after confirming that you have all the eligibility criteria for compensation under the insurance contract and have not violated any of the exclusion clauses..."

"If you don't know where it is, you can ask your lawyer to take a look. I remember there are more than a hundred denial clauses. You can ask him to explain them to you and see if you have triggered any of these clauses."

“Once you meet all the conditions for compensation, sue us and win the case, you will be able to receive compensation.”

“Before that…” he said, standing up and pursing his lips, “I’m so sorry!”

"Although I agree with some of your points and believe you should be compensated, I am just an employee and cannot make that decision. I hope you can forgive me."

He reached out his hand, wanting to shake hands with the big boss of the horse farm, but the latter slapped it away, saying, "Get out!"

The insurance company manager calmly pursed his lips, straightened his clothes, and said with a smile, "Don't get excited. Getting excited won't change anything. When you have any further news, whether you choose to make a different decision or plan to sue us, you can call me."

“You have my phone number; you called me not long ago.”

"Well then... goodbye, sir."

The insurance company manager left immediately with his people. In cases like this, they would avoid paying out if possible, and even if they had to pay, they would find a way to avoid it.

If an insurance company doesn't know how to refuse claims, then that insurance company is very likely not going to last long.

The people of the Commonwealth are never as kind, simple, hardworking, and honest as foreigners imagine.

On the contrary, the citizens of the Federation can be considered troublemakers throughout the world!
Living in a capitalist society, the ideas they encounter are completely different from those in countries with faith and conviction.

Here, even God has to make way for money, so how can a person's worldview and values ​​possibly be good?

In an attempt to defraud insurance companies, some people smashed their own fingers with a hammer, while others deliberately stuck their toes into those machines.

Even more terrifying is that some people forge the insured's information to buy high-value insurance, and then kill them in the factory in order to receive huge insurance payouts!

This is nothing new in the federal government. The poorer a person is, the less valuable they are. If you tell those poor people that losing a finger can earn them thousands of dollars or even more, they will pay immediately.

Then they will consider how much they can give up and how much they can gain in return.

Therefore, the main job of insurance companies is to collect money and deny claims.

After watching these people leave, the others from the horse farm also entered the big boss's office, where they saw the big boss smoking dejectedly.

"The talks broke down?" someone asked as they walked over and sat down.

The big boss nodded. "He told us to sue them, and whatever amount the court orders them to pay, that's what we'll pay."

In fact, they had encountered problems before. One of their horses died in an accident, and the insurance premium was not high, only two thousand dollars. The insurance company came to investigate and readily paid them thirty thousand dollars.

There have been similar incidents since then, and they have all paid readily, so the cooperation between the two parties has lasted for many years.

They thought the insurance company would continue to pay, but they were surprised by this outcome.

"What do we do now?" someone asked.

The big boss's gaze swept over these people. "That... farm, the farm of that king we took down in the competition, what was it called again?"

He couldn't remember the name of the farm; he had no experience in that area, but he was definitely just a minor figure. However, he had a strong impression of the horse.

If they hadn't bribed the other horses and riders, they might have actually lost the championship.

Although, in retrospect, the cost of this championship is beyond what they can afford.

He didn't remember, but someone else did. Immediately, someone said, "Lawrence Farm, it seems to be a farm in the South. I asked around before, and in the Southern horse racing circle, no one has ever heard of this farm winning any championships before. It's like it just popped up overnight."

Many horse farms are like this; they quietly work to breed better and faster racehorses.

Every race has a time limit for running laps, and every racecourse knows how many seconds are needed to achieve a good ranking.

If the horses they train can't achieve this result at their own racetrack, there's no point in sending them to championships or individual events.

It's not only a waste of money, but also meaningless.

Therefore, you can always see some "dark horses" at the racecourse, dark horses from those small racecourses, there will be some every year.

The owner of the horse farm nodded. "Yes, it's this Lawrence Farm. They must have done it."

"Have someone investigate them. Someone has to take responsibility for such a huge loss!"

If they can find evidence that Lawrence Farm committed this "massacre," then they might be able to recover the money lost, and even make a profit.

After all, such a huge loss is enough to send the mastermind behind the scenes to jail for life. If you want to get their forgiveness, you have to pay some price, right?
Moreover, finding the responsible party is not just a matter of compensation; there's also the horse that the Liberal Party whip sent to foster, which is a huge problem!

They cannot allow the whip's wrath to burn upon themselves; they must find someone to bear that wrath!

At this moment, perhaps these people feel a little regret, even just a tiny bit. If they hadn't done what they did back then, perhaps this terrible thing wouldn't have happened.

But what's the use of regretting what's past?

The most interesting thing about people is that they keep making the wrong choices while constantly regretting their decisions.

As for where the lightning bolt's head went, no one cared anymore. They had no interest in the dead horse; all they wanted was to recoup their losses and divert their anger.

In reality, Lightning's head had already been cut off, packed up, and put on a train, and was sent to Lawrence Farm overnight.

This is a gift from Lance to the three old men. Since the king couldn't win the championship, he gave them a champion horse head, hoping they would like it.

They should like it, after all, it's a "champion horse head"!
(End of this chapter)