Sambhal, Uttar Pradesh: A disabled man named Dariyab became the victim of a brutal insurance fraud scheme that culminated in his murder. According to police reports, four individuals — including a bank policy advisor, Pankaj Raghav, and accomplices Hariom Singh, Vinod, and Pratap — took out five life insurance policies on Dariyab’s name, totaling a sum of ₹51 lakh.
The accused had deliberately selected Dariyab as their target, exploiting his vulnerability. They manipulated documentation and orchestrated the issuance of multiple policies from different insurance companies, with the aim of collecting the payouts upon his death.
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Once the policies were active, the group devised a gruesome plan to stage Dariyab’s death as a road accident. The sequence of events, as per the investigation, unfolded with cold precision:
The victim was intoxicated forcibly with alcohol.
He was then run over by a vehicle to mimic a fatal road accident.
When he survived the collision, the attackers bludgeoned him with a hammer on the head to ensure his death.
The murder scene was carefully manipulated to appear accidental, and initial reports listed it as a fatal road mishap — until red flags were raised by the insurance companies.
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The crime unraveled only when all five policy claims were submitted simultaneously to various insurance companies. Suspicious of the coinciding claims on a single individual within a short time frame, insurers initiated a probe.
Upon investigation, inconsistencies were found in the policy issuance process and the manner of death. Authorities were alerted, and the local police, in coordination with investigative agencies, discovered the criminal conspiracy behind the murder. It was confirmed that the accused had planned the killing solely to encash the insurance policies.
All four suspects — Pankaj Raghav, Hariom Singh, Vinod, and Pratap — have since been arrested and booked under murder, conspiracy, and fraud-related charges. Further investigations are ongoing to determine whether more individuals or agents were involved in similar fraudulent schemes.