Presumed Accidents


Presumed Accidents is a 2016 Hong Kong modern suspense crime television drama produced by Andy Chan for TVB, starring Lawrence Ng and Sisley Choi as the main lead, with Lai Lok-yi, Joyce Tang, Raymond Cho and Selena Li as the main supporting cast. Filming took place from June to October 2015 on location in Hong Kong. The series premiered May 30, 2016, airing every Monday to Friday on Hong Kong's TVB Jade, Malaysia's Astro On Demand and Australia's TVBJ channels during its 8:30-9:30 pm timeslot, concluding July 3, 2016 with a total of 28 episodes.
Presumed Accidents plot centers on insurance investigation and fraud with a side plot focusing on past life regression.

Synopsis

Antique and Cafe shop owner George Kiu has an mysterious life. He is an immortal that has lived since ancient times. He was given a life elixir by Princess Yuet Ngai, a woman he loved when he was a high ranking general during the Yuan dynasty. A minor car accident connects him with Eunice Yan. Since Eunice resembles a loved one from his past, with the help of his personal butler the two begin a blossoming friendship which he hopes will bring them closer, but what seemed like romantic pursuing is actually something else as George has his reasons.
Insurance investigator Eunice Yan gives up her promising medical career when her parents are killed in a car accident on the day of her university graduation. When receiving her parents life insurance payment she becomes curious of the process and decides on her future career path. After meeting George, each of her cases strangely somehow have a connection with him. Due to his connections with the people involved in the cases he becomes a huge help in helping her solve her cases. As the two become closer and closer their true relationship is later revealed and starts to understand why George wants to be part of her life. in order to mend the past he had wronged Eunice, George decides to work for the investigation firm she works for in order to fix their relationship and help her.
When Eunice learns of her complicated relationship with George she starts to pursue a relationship with her former university classmate Mantus Chuk, who is now an attorney for suspects of insurance fraud. George also meets Faye Lin Yeuk-fei a woman that identically resembles his late wife Chong Wing-yee who George loved very much. As Eunice and Mantus relationship progress and Faye and George become closer it is revealed that both Mantus and Faye are part of an sinister organization and their main targets are George and Eunice. George and Eunice soon learns that all of the insurance cases they have investigated together are somehow connected and everything began the day of Eunice's parents death.

Cast

Main cast

*Cases plotted by the Insurance Fraud Organization
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An overheated cooking pot explodes killing the apartment units resident Ida Tang and her across the hall neighbor Ted Ching. TD investigators are tasked by the victims insurance company to investigate, Ida's much younger husband seems suspicious after his wife's death since he is more celebratory then grieving. While Ted Ching's death may have been a drug overdose since he was snorting cocaine moments before he died. However, when the TD team starts uncovering Ted's complicated love life with his longtime girlfriend May Kwan and a younger mainland fiancée he was hiding, they suspect foul play involved.
When office worker Ho Ka-wai constantly applies for worker compensation on a waist injury he sustained at work the TD team are called to investigate if his injury is real or fake. On the first day of trailing Ka-wai, Eunice and Yeung Tse-fung uncovers that his waist injury is indeed fake but they think there is more to this case since the chiropractor Alex Cheung, treating Ka-wai is also the one filling out the worker compensation forms. Eunice also suspects that Alex Cheung's receptionist Michelle Lam, is in on the deception since Ka-wai constantly gift her with expensive gifts. Soon Eunice finds out that there is a love triangle between Ho Chun-hin, Alex Cheung and Michelle Lam and also who is the real brains behind this con.
Yat-ming and Smart are assigned to a case where a building construction worker was found unconscious at the construction site and later died from brain injuries. They must find out the truth on what happened in order for his family to collect on his worker compensation insurance. Yat-ming and Smart can't determine if the construction worker died from work related injuries but seeing how the construction worker's widow now has to raise two small children on her own, Yat-ming writes a report that is in the constructions worker's widow favor.
Eunice and Yat-ming partner up to investigate an armored car jewel heist. They must determine if the heist was an inside job before the insurance paid to the jewelry company. The case reconnects her with former university classmate Ben Suen, who is now a police investigator. Ben seems to be pursuing Eunice but George who is helping Eunice investigate the case uncovers Ben's gambling debt and suspects Ben and the jewelry store owner Chin Hoi-fung who also has a gambling debt, might be working together to con the insurance company.
Famous model Angelina, who has her legs and face insured, is attacked by a crazed fan and is injured. Angelina is multi insured with her mother Helen as the recipient of one plan and her manager John the other. Eunice with the help of George, has to investigate if there is insurance fraud involved. Further into her investigation Eunice starts to uncover the complicated life and marriage of Angelina. As Angelina is recovering in the hospital, her secret of plastic surgery, heritage and husband's infidelity becomes tabloid news. Her husband Hong Kiu, a popular radio DJ proclaims his innocence and tells the press that he is true to his wife. Angelina's rival Chloe is unhappy with Hong Kiu's proclamation of love for his wife and tries to kill Angelina.
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Warehouse worker Chiu Wing-hon dies accidentally when he falls off a cliff during a work outing. The more Eunice and Tse-fung investigate into Wing-hon's life the more suspicious his case becomes. The deceased had a lot of debt, the recipient of Wing-hon's insurance coverage is his wife of one month Lau Yuk-hing, who only met and married her husband on a whim and doesn't seem to know anything about her husband. His estranged mother says her son was an disobedient unruly child who has been detained in his youth and was once homeless. The most suspicious is Wing-hon's boss Lai Gwok-nin, who decided to provide an all-expense-paid outing for all his employees when his business is a new start up that hasn't been profitable.
Orphaned identical twin sisters Tsui Man-ting and Yu Bik-yiu are reunited as adults after being separated as children being adopted by different families, but the two are separated again when Man-ting dies in a car explosion. In their short time reunited Man-ting brought an insurance policy with Bik-yiu as the recipient. Yat-ming and Smart are assigned to this case, while Smart finds nothing wrong, Yat-ming recognizes Man-ting as a prostitute who had tried to solicit him earlier. Yat-ming soon suspects that Bik-yiu might actually have been the one killed with the real Man-ting taking over her life.
After disappearing for many years Kong Ka-kei has finally been declared died. Since he has an insurance coverage for both his mother and wife, Eunice and Yat-ming are sent to investigate them. Yat-ming uncovers Ka-kei's mother Cheng Ho-choi is always in need of money yet she and her youngest son Ka-lun are looking to purchase a bigger home and new car. While Eunice uncovers his wife Yue Wing was an mainland girl who married a much older Ka-kei, she also finds out that Wing has been in a relationship with her widowed brother-in-law Man Wing-to. However George being close acquaintances with Ka-kei knows what really happened to him.
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Elaine Tin Ling, a blind art sculptor dies when a store sign falls on her. Two years ago she and her than boyfriend Mark Mak Ho-yin had brought life insurance with each other as the recipient under the status of fiancée. TD's investigation finds Mark's background very suspicious since he broke up with Elaine and soon had a rich fiancée name Erica whose father had paid off Mark's debts and brought the two a luxury home. Also Mark works as a masseuse that caters only to females. However all of Mark's alibi checks out and soon TD finds that Elaine might have had an unrequited admire in Mark's classmate Ken.
A wood art antique dealer claims his warehouse sprinkler system went off damaging an expensive wooden art. While investigating the warehouse Yat-ming finds a tube of lipstick on the floor and something other than water in the cracks of the wood art. After testing what was found in the wood, plus the lip stick Yat-ming concludes that the art antique dealer was really having an affair with his mistress at the warehouse.
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While on a date with Mantus, Eunice witness Francis Tse Dong-lam falling out a window and dead. Francis death is suspected as a suicide but Eunice slightly remembers seeing a shadow behind the curtains of the window. Since Eunice was at the scene she takes over the case. With Tse-fung resigning TD hires George, but she refuses to work with him since she is still made at him. However George is a huge help since he is acquainted to Francis and his wife Tong Tse-wan. Francis, who is a known philander was having an affair with his employee Whitney Ding Siu-wai. As Eunice investigate Whitney she finds out that Whitney's personality at day and night is the complete opposite. Whitney seems to have a liking for middle aged man, but George finds out that a young man named Lee Lap-chau is madly in love with Whitney and is willing to do anything or spend any amount of cash to get her.
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George becomes a murder suspect when he is at the wrong place at the wrong time. TD's head of the accounting department Jeff Ho receives an award at the annual employee dinner party. He over praises his wife Maggie Chan Ga-nei for being a great support in his life due to his handicap. In reality he is very much bitter about the state he is in and hates it when people offer to help him because he is wheel car bound. Thinking his wife is having an affair with her former med school classmate Chung King-to because he is handicapped he has his work secretary Alice, help him trail his wife and later agrees to the Insurance Fraud Organization's proposition. George is clear on all charges when cat burglar Ma Tse-kin provides the evidence with the real murder's blood. However, before Tse-kin got killed he had sold an object George desired to black market antique dealer Chun with connections to the Insurance Fraud Organization.
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The insurance company is suspicious of fraud being conducted when healthy clients who have brought a policy less than a year are then stricken with cancer. The TD team is sent to investigate the matter. Eunice and George finds something in common with all the insurance clients, they all share the same doctor, Ko Tak-shing. In order to commit fraud, the Insurance Fraud Organization finds possible victims, buys an insurance policy under the victims name and then sends them to the shady Dr. Ko for a medical report. The shady doctor then switches medical reports with actual cancer patients or sometimes more sinister by killing their victims, in order to scam the insurance companies.
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Madam Mok Hei-tung's older sister Mok Hei-yue becomes the Insurance Fraud Organization's latest target when her longtime boyfriend Eric Chow is blackmailed into killing her since Hei-yue has an life insurance policy with Eric as the recipient. Eric Chow who had a business deal gone bad falsify his accounting books in order to hide his bad business deals. The Insurance Fraud Organization learns of this and tells him he must pay them to kill his girlfriend Hei-yue or else they will report his business dealings to authorities.
Presumed Accidents received mixed to positive responses. On Douban, a Chinese media database, the drama received a rating of 6.5 out of 10 based on 1000+ votes. Most of the criticism was directed at female lead Sisley Choi, who was criticised for her annoying acting in the first few episodes. Selena Li's performance, however, received critical acclaim, with viewers citing Li as their reason for tuning into the series.

Viewership ratings

Awards and nominations