遭遇车祸双双遇难 Both were killed in a car accident

　　张某为自己在保险公司投保了意外伤害保险，保险金额6万元，受益人为其女友任某。2012年10月1日，两人举行了结婚仪式。10月3日，张某与妻子任某利用国庆长假到泰山旅游，10月5日23时许，返回江苏省淮安途中，行驶至盐徐高速公路淮宿方向1851K处时，张某因疲劳驾驶与前车未保持安全行车距离，追尾撞击童某驾驶的重型半挂牵引车，张某与妻子任某当场死亡。后经司法鉴定，无法确定二人死亡先后顺序。

Zhang for his insurance for accident injury insurance in the insurance company,The insurance amount is 60000 yuan,A benefit for his girlfriend.On October 1, 2012,Two people held a wedding ceremony.On October 3rd,Zhang and his wife as a use of National Day long vacation travel to mount tai,On October 5, 23 PM,Returning in huaian,Driving to huai salt xu highway at night at 1851 k,Zhang due to fatigue driving car and not keep safe driving distance,Rear-end collision child a heavy tractor-semitrailer tractor driving,Zhang and his wife as one died on the spot.After the judicial identification,Not sure order 2 people were killed.

　保险金怎么分 How do insurance points

　　双方父母起争议 Both parents up controversy

　　张某与妻子任某刚结婚无子女，两人死亡后，张某的父母以继承人的身份要求保险公司给付6万元保险金，保险公司进行了理赔，向张某父母支付了保险金6万元。后任某的父母知晓了此事，以其女儿任某为指定的保险金受益人为由要求张某父母分一半保险金。张某父母认为自己为法定的保险金继承人，不同意分一半保险金给任某父母，双方协商未果。任某父母无奈，遂将张某父母连同保险公司一起诉至法院，要求给付保险金3万元。

Zhang and his wife for a newly married, childless,After two people were killed,As heir to the zhang mou parents require insurance companies to pay 60000 yuan of insurance,Insurance company for claims,To the zhang mou parents pay the insurance money 60000 yuan.As a parents knew the matter,For his daughter as a designated insurance beneficiary requested that zhang mou parents split the insurance money.Zhang mou parents think themselves as the statutory insurance heir,Don't agree with half insurance to some parents,Both sides negotiation not if really.As a parent,The zhang mou parents, together with the insurance company to appeal,Demand payment of the insurance benefits, 30000 yuan.

承办法官耐心劝导 To undertake the judge patient persuasion

　　积极协调化解矛盾 Actively coordinate to resolve contradictions

　　因该案纠纷双方原系“亲家”，本案承办法官在案件审理中着重进行了调解，告知任某父母，根据我国《保险法》第四十二条第二款规定：受益人与被保险人在同一事件中死亡，且不能确定死亡先后顺序的，推定受益人死亡在先。因此，保险金作为被保险人张某的遗产，应由其财产继承人也就是张某父母继承，通过法律解释使他们降低索要保险金的数额。同时，对张某父母晓之以情，使其明白双方原为亲家，对方在事故中也失去了女儿，分一部分保险金也符合情理。最终，在承办法官的主持下双方达成了调解协议，由张某父母分2万元保险金给任某父母。

If a dispute case on both the original system"in-law",This case to the judge in the trial was conducted in the mediation,Some parents told that,According to our country[Insurance law]The second paragraph of article 42 of the rules:The beneficiary and the insured was killed in the same event,And cannot determine the order of death,Presumption of the beneficiary died first.so,The insured zhang as a legacy,Should be the heir to the property is the zhang mou parents inheritance,Through legal interpretation to make them lower for the amount of insurance compensation.At the same time,With zhang to love their parents,To understand both sides belonged to relatives,The other daughter also lost in the accident,Part of insurance also reasonably.In the end,In undertaking the judge under the auspices of the conciliation agreement between the parties,20000 yuan of insurance by the zhang mou parents points to some parents.

　案件简析 The case analysis

　　保险受益人是指由被保险人或者投保人指定的在保险事故发生或者约定的保险期限届满时，依照保险合同享有保险金请求权的人。针对受益人与被保险人在同一意外事件中死亡的问题，我国《保险法》第四十二条第二款明确规定：受益人与被保险人在同一事件中死亡，且不能确定死亡先后顺序的，推定受益人死亡在先。本案中，张某与任某死亡顺序无法确定，应推定受益人任某先于被保险人张某死亡，保险金应作为张某的遗产由张某父母继承，因此，保险公司向张某父母支付保险金符合法律规定，并无不当。

Insurance beneficiary is to point to by insurant or policy-holder agreed or specified in the insurance accident insurance time limit expires,According to the insurance contract person enjoys the right to insurance claims.According to the beneficiary and the insured was killed in the same accident,In our country[Insurance law]The second paragraph of article 42 of the specific provision:The beneficiary and the insured was killed in the same event,And cannot determine the order of death,Presumption of the beneficiary died first.In this case,Zhang with a death sequence can not be sure,Shall be presumed beneficiaries as a prior to the insured zhang died,Insurance should be as zhang's legacy inherited by the zhang mou parents,so,Insurance companies to the zhang mou parents pay insurance benefits in accordance with the law,And when all things.

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　　《中华人民共和国保险法》第四十二条 被保险人死亡后，有下列情形之一的，保险金作为被保险人的遗产，由保险人依照《中华人民共和国继承法》的规定履行给付保险金的义务：（一）没有指定受益人，或者受益人指定不明无法确定的；（二）受益人先于被保险人死亡，没有其他受益人的；（三）受益人依法丧失受益权或者放弃受益权，没有其他受益人的。受益人与被保险人在同一事件中死亡，且不能确定死亡先后顺序的，推定受益人死亡在先。

[The insurance law of the People's Republic of China]Article 42 the insured dies,One of the following situations,Insurance as a legacy of insurant,By the underwriter according to the[The inheritance law of the People's Republic of China]The provisions of the performance of the obligation that pays insurance gold:(a)Does not specify the beneficiary,Or the designated beneficiary is unknown can not be sure;((2))The beneficiary die before the insured,No other beneficiary;(three)The beneficiary in accordance with the loss of the beneficial right of the beneficiary or give up,No other beneficiary.The beneficiary and the insured was killed in the same event,And cannot determine the order of death,Presumption of the beneficiary died first.

　　《中华人民共和国继承法》第十条 遗产按照下列顺序继承：第一顺序：配偶、子女、父母。第二顺序：兄弟姐妹、祖父母、外祖父母。继承开始后，由第一顺序继承人继承，第二顺序继承人不继承。没有第一顺序继承人继承的，由第二顺序继承人继承。

[The inheritance law of the People's Republic of China]Article 10 the legacy inherited in the following order:The first order:A spouse/children/parents.The second order:Brothers and sisters/My grandparents/grandparents.When succession opens,By the first in order shall inherit,The second in order shall not inherit.No first in order shall inherit,The successor (s) second in order shall inherit.