Zee's POV
Zee tapped his pen against the desk, his eyes scanning the documents for the third time. The details were too clean, too perfectly alignedâthe kind of symmetry that only ever happened when someone had planned for things to fall into place.
He started with Thanapon Wichai's claim.
Accident report: Thanapon's sedan was rear-ended at an intersection. No third-party witnesses.Medical records: Severe whiplash, a fractured wrist, and mild concussion. Advised six to eight weeks of rest.Repair estimate: Moderate damage to the rear bumper and trunk. Mechanic's statement supported the claim.Policy details: Signed up six months ago, with an unusually high personal injury payout.
So far, everything checked out on the surface. But then there was Nattapong Rattanakorn.
Zee switched to the second claim, the one filed under a different insurance company.
Accident report: Nattapong admitted fault, stating he had been momentarily distracted at a red light.Medical records: Severe neck strain and loss of mobility in his dominant hand. Unable to work.Repair estimate: Minimal front-end damage. Barely enough to justify the severity of the injuries.Policy details: Also six months old. Signed around the same time as Thanapon's.
The biggest red flag? Their injury reports.
Zee leaned in, eyes narrowing at the medical certificates. Thanapon had a fractured wrist. Nattapong had partial loss of mobility in his dominant hand. Injuries that, at first glance, seemed unrelated. But there was a problem. The impact force didn't match.
If Thanapon had truly suffered a fractured wrist, the force from the accident should have been severe enough to cause far more damage to both cars. But Nattapong's vehicle had only minor front-end dents. No airbag deployment. No significant impact zone.
And if Nattapong had lost mobility in his hand, that implied nerve or ligament damage. That kind of injury usually happened in high-speed crashes, not in a low impact rear-end collision at a red light.
Zee exhaled slowly. Too perfect. Too rehearsed.
He moved to the final pieceâtheir financial histories. Thanks to Mosaic's database access, he pulled up Thanapon's transaction records. A few large cash deposits. Nothing outright illegal, but when he checked the same records for Nattapong, a strange pattern emerged.
A deposit of 50,000 baht in Thanapon's account just two weeks before the accident.
And another 50,000 baht withdrawn from Nattapong's account on the same day.
A payout? A pre-arranged agreement? It was still speculation, but Zee had chased down enough fraudsters to know when money was moving in the wrong direction.
He sat back, drumming his fingers against the desk. If his hunch was right, this wasn't just one fake claimâit was a coordinated scam. Two men staging an accident, filing separate claims, splitting the payouts, and walking away clean.
The only question left wasâwho else was on to them? Because if these two were as careful as they seemed, there was no way they had only targeted Mosaic Insurance. Someone else had to be tracking the same case.
Zee glanced at his phone. He had a feeling he'd be making a call soon.
Joong's POV
Joong clicked his pen rhythmically against his notepad, his foot tapping against the floor as he stared at the mess of open tabs on his screen. He'd spent the last hour going through every detail of Nattapong Rattanakorn's claim, and if there was one thing he knew for sureâit reeked of fraud.
The accident itself was too convenient. A clean rear-end collision, no third-party witnesses, both parties filing for injuries that seemed just severe enough to justify a claimâbut not severe enough to warrant suspicion. Classic staged accident strategy.
What really set off alarms was the money.
Joong had managed to access Nattapong's bank transactions. Two weeks before the accident, a 50,000 baht withdrawal. Suspicious, but not definitive. Then he traced it further and found something even more interestingâThanapon Wichai had received a deposit of the exact same amount on the same day.
His stomach tightened. That wasn't coincidence. That was payment.
His pulse quickened as he pulled up Thanapon's insurance provider. Mosaic Insurance.
Joong exhaled sharply. So that was who was on the other side of this case. Mosaic's fraud team was known for being cutthroat. If they were already looking into Thanapon, that meant Joong wasn't the only one connecting the dots.
And if that was the case...
Someone at Mosaic was about to become his problem.
Joong ran a hand through his hair, already imagining the kind of investigator he'd be dealing with. Someone stiff, probably. Rigid. The type who thought experience mattered more than instinct. He could already hear the condescending tone of some middle-aged fraud investigator telling him how "real insurance work" was done.
He sighed, shutting his laptop. There was no way around itâhe was going to have to reach out to Mosaic. If he wanted to crack this case wide open, he needed to know exactly what they knew. He grabbed his phone and scrolled through his contacts until he reached the number for Mosaic Insurance's fraud department. It was time to make a call.
And something told him that whoever picked up was going to be a pain in his ass.