Most of the car insurance claims we hear about, or maybe have even filed ourselves, involve small fender benders. But when insurance agents were asked about their craziest, but totally real claims, you won't believe the stories!
What A Load Of Bull
"I have worked in car insurance claims for a few years now, the funniest was a colleague took a call where the customer walked out of his front door to find a bull having sex with his car. The customer added that he let the bull finish."
The Truth About Trains
"I work IT for an insurance company and overheard a call that went, 'Yes Ma'am…Yes Ma'am…Yes Ma'am…No Ma'am the train always has the right of way.'"
The Circus Elephant Stunt
"A few years back, a couple in rural Oklahoma was driving home from church and sideswiped an elephant. Collisions with cows and deer are fairly common here, not often you have a run in with an escaped circus elephant."
The STD Disaster
"This one night I get a call from a trucker who wanted to make a worker's comp report. 'Okay, so what's your injury? Where and how did it happen?' 'Um, it was in my truck, I got it from a lot lizard (truck stop prostitute)…' This poor guy was trying to make it a work comp claim so he could go to the doctor for his STD."
It Was Worth A Try
"Once, a policy holder wanted his liability insurance to cover his child support payments because it was an 'accident' that his girlfriend got pregnant."
The Bridge Blunder
"There was one driver who hit a bridge and said, 'I didn't think they were serious about the posted height of the bridge.'"
The CAT-astrophe
"I found my car one morning with a huge dent on the hood. I was parked next to a 10 story building. Turns out a resident's fat cat jumped off the window of floor 9, and landed on my car. The poor cat broke a leg, but survived and ran off. It didn't really help that the police report had a drawing of a falling cat on it."
The Kung Fu Snafu
"My cube mate got one that said, 'Insured driver (our customer) rear-ended claimant (other company's customer) after being distracted by a homeless gentleman practicing his kung fu moves on the sidewalk.'"
The Convenient Crime
"A 16 year old got some crappy mustang, which needed a paint job. He realized it's expensive. Ever so conveniently his car was keyed. They managed to damage every single panel while it was parked in a McDonald's parking lot."
The Guy Who Lost Control
"Guy flipped a small hatchback upside down onto his neighbor's car while reversing into a drive. Lord knows how, but there were photos and nothing to suggest foul play. He just stated he was reversing and lost control."
The Beer Blunder
"An insured hit a telephone pole, and when the police arrived, he was arrested for a DUI. According to him, he hadn't been drinking before the accident. After the accident, the guy told a Good Samaritan who stopped that he was thirsty. All the stranger had was beer. So he gave them to the insured, and left. That's why he had alcohol in his system when the cops showed up."
The Crooker
"My wife used to work insurance claims. She had one where a guy had his car stolen by the prostitute he hired when he fell asleep after sex. The man was very concerned that my wife make all follow-up calls to a specific number because he didn't want his wife to find out how the car was stolen."
The Curfew Collision
"Two teenagers are rushing home, trying to make curfew. Their family had a circular driveway. One kid turns in one side, the other comes in the other way. They end up having a head on collision in the driveway, totaling both vehicles."
The Gun Gamble
"A man claimed that his gun discharged accidentally 14 times putting holes in his dash, windshield, and side window. He said he had it in his passenger seat and he was chasing his ex-wife."
The Sh*t Head
"I handled a claim where a guy who got drunk and pooped on 15 cars that were parking in the parking garage of the hotel he was staying at. We had to pay for bodily spill removal on all of the cars."
“I once had a woman call, stating that…”
"I once had a woman call, stating that a man had rear-ended her vehicle twice at a red light, attempted to flee the scene, and ended up striking 2 more cars before attempting to run away on foot. It sounded bananas but after she faxed in the police report, sure enough, the person was currently incarcerated for a DUI and numerous other charges for the incident."
The DUI Disguise
"I had one where the insured ran a stop sign and hit the claimant. Claimant notices insured is drunk. Insured leaves the scene. Cops goes to his house and arrest him for DUI. Insured then states when he got home he took 3 shots of liquor to take the stress off and wasn't drinking and driving."