Bizarre Insurance Claims

The Top 10 Bizarre Motor Insurance Claims


  • A herd of cows licked my car and caused damage to the paintwork.
  • An invisible car came out of nowhere, struck my car and vanished.
  • Windshield broke. Cause unknown. Probably Voodoo.
  • The indirect cause of the accident was a little guy in a small car with a big mouth.
  • In an attempt to kill a fly, I drove into a telephone pole.
  • I thought my window was down, but I found it was up when I put my head through it.
  • Coming home I drove into the wrong house and collided with a tree I don't have.
  • My car was legally parked as it reversed into another vehicle.
  • I collided with a stationary truck coming the other way.
  • The guy was all over the road. I had to swerve a number of times before I hit him.

 

A Life Insurance claim in Brazil; unfortunately bizarre but also very sad obviously


In 2002 a farm keeper from Brazil decided to remove a beehive from his orange tree. He did not know exactly how to proceed, but he knew the hive should be burned and he knew bees sting. So he protected his head with a plastic bag sealed tightly around his neck, grabbed a blowtorch and went off to fight the bees.

His worried wife went to look for him a few hours later, and found his body. However, it was not the bees that killed him. The plastic bag had protected him from smoke, stingers and oxygen!. He had forgotten to add breathing holes. Hence the need for a claim on his life insurance. 

 

More true (but unusual) things said in court, word for word


Q: What is your date of birth?
A: July 15th
Q: What year?
A: Every year

Q: What was the first thing your husband said to you that morning?
A: He said "Where am I Cathy?"
Q: And why did that upset you?
A: My name is Susan

Q: Was it you or your younger brother who was killed in the war?

Q: You say the stairs went down to the basement
A: Yes
Q: And these stairs, did they go up also?

Q: Where you present when your picture was taken?

Source: A book called "Disorder in the Court" by Richard Lederer

 

Real life statements made in court - oh dear!


Q: Sir, what is your IQ?
A: Well, I can see pretty well, I think

Q: Doctor, how many autopsies have you performed on dead people
A: All of my autopsies are performed on dead people

Q: Can you describe the individual?
A: He was about medium height and had a beard
Q: Was this a male, or a female?

Q: The youngest son, the twenty year old, how old is he?

Source: A booked called "Disorder of the Court" by Richard Lederer

 

Travel Insurance covers the cost of unexpected medical expenses


A man walking along the street in Greece became so transfixed by two bikini-clad girls that he walked straight in to a glass-panelled bus shelter and broke his nose. He successfully claimed on his travel insurance for his hospital bills.
Source; madconomist.com

 

Funny Car Insurance claims


  • I collided with a stationary bus coming the other way
  • The other man altered his mind so I had to run in to him
  • A pedestrian hit me and went under my car
  • The pedestrian had no idea which way to run, so I ran over him
  • Q; Could anything have been done to avoid the accident? A; Travelled by bus?

 

Travel Insurance for your cruise; because things might fly away


An unfortunate pensioner had to make an embarrassing travel claim after a stroll on the deck of a cruise ship went wrong . He was chatting with friends when a strong gust of wind lifted his toupee (hairpiece) off his head and blew it in to the sea. He never got over the shame but at least his travel policy reimbursed the cost of the hairpiece. Source: madconomist.com

 

Sometimes you do have to feel for Insurance Claims staff.....


Q: What is your date of birth?
A: July 15th
Q: What year?
A: Every year.

Q: What gear were you in at the moment of the impact?
A: Gucci sweats and Reeboks.

Q: Did you blow your horn or anything?
A: After the accident?
Q: Before the accident.
A: Sure, I played for ten years. I enjoyed the orchestra at school 

 

Come on insurance companies, just pay up properly


I once made a claim due to a broken washing machine. I put a load of washing on before going away for the weekend. On my return I found it to be stuck in a boiling cycle and my whole kitchen was nigh on destroyed by the steam. When I made a claim through my broker to the insurance company it was denied as I was not insured for steam damage only water damage! My insurance broker quickly pointed out that water is H2O and the same chemical compound at steam! They were not having it.

The judge, in the small claims court, did not even allow the insurance company's rep to speak. He took two minutes to read out the case, laughed and said "Water is H2O as is steam - case for the plaintiff." The claim was swiftly settled by an embarrassed insurance company. (Source P. Clough)

 

More unusual Motor Vehicle Insurance claim form explanations


I thought my window was down but I found out it was up when I put my head through it.

A pedestrian hit me and went under my car.

I pulled away from the side of the road, glanced at my mother-in-law and headed over the embankment.

An invisible car came out of nowhere, struck my car and vanished.

I was sure the old fellow would never make it to the other side of the road when I struck him.

 

More unusual answers provided on motor insurance claim forms


Q. Could either driver have done anything to avoid the accident?
A. Taken the bus that day?

The following claim was for a man who collided with a cow, he answered the questions on the claim form quite honestly

Q. What warning was given by you?
A. Horn

Q. What warning was given by the other party?
A. Moo

Source: opanoid.co.uk

 

When minor car accidents go from bad to worse


While going forward I smashed the rear light of the car in front of me. So I backed up, and in doing so smashed the bumper of the car behind me. That's when I stepped out of the car, but in doing so I knocked down a cyclist with my door. That's all I have to declare for today.

Source virginmedia.com

 

Another reason to always tell the truth about your claim


A man allowed his girlfriend to ride his motorbike, which she crashed. However, he was worried that, since he wasnt driving the bike at the time, the claim would not be paid out. So he told his insurance company that he was driving. But to make it look real, he asked his friend to drag him behind a truck in order to produce a realistic case of road rash. Then, with evidence on his body, he filled his claim. Unfortunately for him, his girlfiend had already told the Police that she had been driving the motorcycle when it crashed. Ouch!.

 

Reason Number 1 to have Travel Insurance


"Coconut strike" is not an unheard of category in the world of travel insurance. But picture the poor man who was relaxing on a palm fringed beach in the Bahamas recently, only to feel the full force of a plummeting coconut crash in to his wedding tackle. And if that were not enough to bring tears to your eyes, consider this: he and his new wife were on their honeymoon. Thankfully his only-too-sympathetic insurance company  paid his medical expenses. (Source: virginmedia.com)

 

Why Travel Insurance might be of benefit after all!


Some holiday makers in Devon England buried their camcorder in the sand to prevent it from being stolen while they went swimming - the only problem was that they could not remember where they buried it. The insurers had a sense of humour and paid out 600 pounds! (Source: virginmedia.com)