【纠纷背景】2011年5月2日,湖北省武汉市江岸区,某客运公司张某驾驶的轿车与一重型半挂牵引车发生碰撞,致使车内包括张某在内的6人全部当场死亡,后经交通大队认定,张某负主要责任。张某生前所在公司曾为其办理了20万元的人身意外保险,但未指定受益人。后经法院裁定提取了 【Dispute Background】 May 2, 2011, Jiang’an District, Wuhan City, Hubei Province, a passenger company driving a car and a heavy-duty semitrailer tractor collided, resulting in the car, including all 6, including Zhang died on the spot , After the traffic brigade identified, Zhang main negative responsibility. The company where Zhang Mouxian lived before handled 200,000 yuan of personal accident insurance for him but did not designate a beneficiary. After the court ruled that the extract