The Funniest Insurance coverage Claims Ever Filed

Who says insurance coverage agents do not have a sense of humor? They’d have to, to sit back and go through some of the insurance claims that drivers and house owners file today without having becoming raving lunatics! Right here is a collection of the funniest, most ludicrous and most outrageous insurance claims to ever pass across the desk of an insurance claims director, as advised by comedian Jasper Carrott, web site and the Charlotte evening news.

1)A Charlotte attorney bought a box of high priced cigars and insured them against flood, storm injury and, of all items, fire. Needless to say, his investment went up in (happily inhaled) smoke inside a month, after which the attorney filed a claim with his property owners insurance coverage organization that he was owed compensation because “the cigars have been lost in a series of modest fires”. The insurer refused to shell out, assuming (correctly) that the man had smoked the pack himself. A judge ruled, nonetheless, that considering that the insurer had by no means stated what was deemed to be “unacceptable” fire the company did, in fact, owe him $15,000 to substitute his residence.
The insurance business paid the claim, but they received their own back in the finish. The attorney was then arrested, sentenced to 24 months in jail and a $24,000 fine for 24 counts of arson and insurance coverage fraud.
2)Accurate story: When asked to describe how he had come to have a one particular on a single with a lamppost the driver stated that he had not been in a position to see the publish due to the fact “it was obscured by human beings.”

3)Only in Louisiana could you get away with filing an insurance coverage declare stating, “Windshield broke. Cause unknown. Probably voodoo.”

4)It is all H2O to me. A decide had to educate a house owners insurance coverage provider on the fundamentals of chemistry when a washing machine got caught on boil and steam cleaned an complete kitchen beyond repair. The insurance company attempted to declare that steam harm shouldn’t be coated beneath the home owners water damage policy.

5)A woman meeting her husband, a Navy crewman who was due into port that day, parked at the finish of the slip the place the submarine was due in to berth. There was an inexperienced ensign at the helm who overshot his landing and hit the finish of the slip, breaking a section away and sending the automobile plunging into the water. Needless to say, individuals damages were on Uncle Sam!

6)There could not have been a tornado in town, but a driver unfortunate adequate to have picked that day to park his vehicle by the side of the road was taken care of to a second in Oz when a house came crashing down off the flatbed of the truck hired to move it, fully destroying his vehicle.

7)Will these pedestrians in no way learn? A driver stated on his insurance coverage declare kind that “I knocked over a man. He admitted it was his fault, as he’d been knocked over just before!” Another driver rather virtually pointed out, “The pedestrian had no idea which course to run, so I ran above him.”

8)In a nod to punctuality, a driver was rushing out of his drive on his way to work at seven o’clock in the morning and ran straight into a bus-who was five minutes early.

21 Responses to “The Funniest Insurance coverage Claims Ever Filed”

  1. Daniel 28 January 2013 at 12:03 am Permalink

    I’m in a little of the strange situation regarding my car crash.

    There have been no injuries.

    I had been inside a BMW car dealership obtaining a quote how much I possibly could trade my vehicle set for. Once I got that, I left. Once I drawn from the parking place, I moved into drive, and before I possibly could pull forward, among the employees was backing from the show room really rapidly. He backed directly into my front left fender/bumper.

    He leaped out, and accepted it had been his fault. Then he asserted that he’d possess the on-site repair center fix my damage, he then drove off really rapidly (I suppose to begin repairs around the vehicle he’s just offered (the main one he struck me with)). He returned, and that i requested something on paper proclaiming that he’d fix my vehicle. However, as they vanished, used to do a far more through inspection of my damage, and that i observed he pressed my front bumper back on sides. Basically knocking them back. On paper he explained, he would fresh paint it. At that time, he was still being acknowledging it had been his fault, which he’d fix my vehicle.

    I told him the harm was not only “fresh paint”, and that he went to determine it. At this time, the car dealership manager came walking out. The guy who struck me, checked out it, and acknowledged the extensive damage. The manager stated, we’ll repair it. I told the manager which i require it on paper that they’ll fix all of the damage in the accident and not simply the fresh paint. The manager stated “you’ve my word”. I requested again, for this on paper, and that he ongoing to to declare “you’ve my word”.

    I recognized he wouldn’t produce anything on paper he would fix all of the damage. I requested his insurance information. This is when things transformed a little. After I requested that, the manager (who had been doing all of the speaking), began threatening me, with claims of “this really is private property”, and “you’re the just one to blame due to it”. I told him, so whether it is, I would like your insurance information. Then he returned to “you’ve my word, we’ll fix the harmInch. Observe that he’d never even suggested in the declare that I had been to blame for his or her damage. He understood it had been his motorists fault. I told him again, I want your insurance information. He stated “we’re not turning this to insurance, you’re to blame, this really is private property, you’ve my word” garbage again. I told him, no matter what, left side and known as the cops.

    Let’s focus on some funny areas of the storyline. They attempted to obtain the cop to get me to depart without filing a police report. (something about, the inability to sell the vehicle, since with a study, it’s no more a “licensed used” or some garbage). I declined, and requested the officer for any police report. As I was speaking towards the officer, among the office men, entered my vehicle, and attempted to obtain the sheet of paper the guy who struck me provided, stating they’d fix my vehicle. He could not think it is, officer required he not use my vehicle again.

    As the officer was speaking towards the guy who struck me, the manager (remember, the man who threatened me with “this really is private property”), emerged in my experience, and began threatening me again. He began saying “I attempted to become nice, however, I will sue you thus making you purchase our damage”. Without me knowing, the manager had the man who struck me, change his story to I drove into him IE, I drove forward into his vehicle, not too he backed into me…

    The officer didn’t have a part of that. I told the officer he was threatening me, and that i told him exactly what the manager was saying. The officer known as within the manager, and requested him a couple of questions. His solutions coincided using what I told the officer he stated, and also the officer told him what he was doing was consistent with “witness violence” and when he is doing it again, he’s going to charge him. Lengthy story short, officer authored in the report, noted he provided to fix my vehicle. Also, he reported the BMW car dealership worker was to blame. Additionally to that particular, the motive force who struck me, were built with a suspended motorists licensee (which was and in the report =/). Everything pointing towards the truth (he struck me) aside from the empty declare that I drove into him. Not a way his claim would endure, since i might have needed to drive into his vehicle, from the stay in a parking area. Observe that he still stated he supported. So additionally to that particular, he’d have needed to see me drive into him, as they was copying… Whole in the story, why would he still support, if he saw me coming forward.

    So ya, law enforcement report states his fault.

    I filed an insurance coverage claim using the shops insurance company. They sent of the guy to obtain a quote. He first got it, and sent it back.

    !!!! Important part, where I’m now!!!!


    That’s where I’m now (well it began a couple of days ago). The insurance coverage claim guy, is declining to pay for the claim before the worker contacts him. Prob

  2. Terry 13 February 2013 at 8:53 am Permalink

    i had been re ended last month bearing in mind i purchased my van 3 several weeks prior this. in a stop sign he struck me he states i backed directly into him, obviously the condition po po didnt come it had been the neighborhood, he didnt have his lisence or evidence of inches or registration the neighborhood cop drove him to his house to have it. his insur. refused claim required his work ok you’re gonna taek the term of the guy who didnt have his papers in the vehicle, well it will get better he’s a mason and thus was the cop. funny how people pull off things,,,,i dont care should you damage someone’s property u repair it.what must i do

  3. Clarisa 13 February 2013 at 9:06 am Permalink

    I’m a student living at home, with no property of my own. Which insurance coverage would suit me best, the lowest 25,000/50,000 or a higher amount?

  4. Allen 13 February 2013 at 9:16 am Permalink

    Exactly what is a good insuranceOrprotection for 50-$100 per month? I have to acquire some work done on my small teeth, hopefully some teeth fillings remade. Was searching for something which would also hopefully cover a root canal/cap just just in case.

    Also I’d like the insurance coverage to pay for the dental professional of my choice and never assign me with a retard dental professional…

  5. Cecila 13 February 2013 at 9:37 am Permalink

    My home is Arkansas, and when it snows the whole condition virtually shuts lower. My date for the wedding is The month of january 26th, and that we intend on inviting about 250 visitors. I’d hate for this to snow and lose all that money when the reception needs to be canceled. I have been searching around for insurance, but to date all I’ve discovered is insurance policy for entertainers/performances at receptions. Anybody are conscious of something that covers cancellations and etc.? Thanks!

  6. Earleen 13 February 2013 at 9:42 am Permalink

    I had been refused new medical health insurance coverage in May 2007 due to back discomfort in The month of january 2007 that I received physical rehabilitation. I’ve had continuous medical health insurance coverage in excess of 24 months without any good reputation for back conditions. Basically re-apply again now (for coverage beginning in September), shall we be held apt to be refused again? Can there be anything I’m able to do about this? My group coverage through jobs are very pricey, and I’d prefer to possess a less expensive plan.

  7. Waldo 13 February 2013 at 9:52 am Permalink

    The parable is the fact that lawsuits drove mediterranean costs over the top. The truth is the Insurance providers lost their t shirts within the eighties recession with opportunities within the stock exchange which drove up their costs to recoop.

    Since another recession is happening, what effect does it dress in insurance policyOrrates and health care?

    East Coaster (below) When they wiped out or permenently broken people, they must be driven bankrupt. Would you agree?

  8. Phil 13 February 2013 at 10:20 am Permalink

    AND recognise the business charges probably the most for the similar insurance policy?

  9. Jaime 13 February 2013 at 10:21 am Permalink

    I survive disability earnings -SSDI. This really is my only earnings. I’ve no savings or any other money, just my own possessions (12 yr. old vehicle, furniture, some jewellery, etc.) I rent a property.

    I’m considering lowering my insurance charges by reduction of the policy amounts, that are high at this time. Basically had an ‘at fault’ accident that exceeded my insurance policy what assets could I be prosecuted for through the other party?

  10. Mason 13 February 2013 at 10:26 am Permalink


    i want info on medical health insurance coverage… where can could possibly get it?

  11. Bobby 13 February 2013 at 10:38 am Permalink

    What’s the reason under current law for just covering to 75% of gross earnings for life insurance coverage coverage?

    A. It won’t be as pricey to reside once they have left

    B. It’s too costly to pay for 100%

    C. What the law states doesn’t allow anymore

    D. There’s an tax exemption on life insurance coverage benefits

    Anybody?…The solution is not A, since i first got it wrong before. Help?

  12. Milda 13 February 2013 at 10:47 am Permalink

    I’ve family insurance policy under my reputation for a Honda Social, and my dad’s reputation for a Mercedes. I’m likely to buy a new BMW under my title. Can One purchase insurance policy for that BMW under my dad’s title, but have title from the vehicle under my title? I’m 22 years of age and insurance for somebody how old irrrve become for any BMW is really a killer! Any help could be appreciated! Thanks!

  13. Regena 13 February 2013 at 11:04 am Permalink

    Basically elevated my vehicle insurance policy and also got into an vehicle accident soon after that, wouldn’t it cause me to feel look bad? Would the vehicle insurance provider suspect me? Are they going to won’t pay? Would which have any impact to my record?

  14. Chauncey 13 February 2013 at 11:25 am Permalink

    I’m searching for firms that offer aetna medical health insurance coverage to employees.

    Please tell me!

    More clarification. I presently have coverage under aetna and can no more be around my current company. I’m searching for somebody that has either labored for businesses within the North Park area that provide aetna or are conscious of a business or two in the region that provide aetna in order to still see my same doctors. Appreciate your help!

  15. Lewis 13 February 2013 at 11:30 am Permalink

    For example if you want to school in a single condition but reside in these guys it may you’ve medical health insurance coverage for states? It appears like it might be easier basically experienced an injuries and is treated in a single condition or another at that time.

  16. Lewis 13 February 2013 at 11:30 am Permalink

    Should i be having to pay $100 being an car insurance for any year .Then Just how much car insurance coverage must i get ?

  17. Scot 13 February 2013 at 1:02 pm Permalink

    In Illinois (and also the entire US, possibly), who accounts for verifying medical health insurance coverage (if physician is within-network) and when any methods done (echo, stress test, bloodstream draws, etc) are covered? If it is the individual or even the doctor’s office?

    Should not coping with the experts within the insurance provider be carried out by professionals within the doctor’s office, rather than the individual who sometimes doesn’t understand 1 / 2 of the way the health system works?

  18. Marian 13 February 2013 at 1:15 pm Permalink

    I requested medical health insurance coverage and received instructions denying it according to several health conditions that I have not had however they say there have been claims declared them. What’s the easiest method to approach this, to fix unhealthy information and re-apply for coverage? Where will i start?

  19. Luciana 13 February 2013 at 4:53 pm Permalink

    I’m employed by a little landscape designs company that doesn’t offer insurance. I’m married with two kids, both under couple of years old, and my spouse includes a pre-existing condition of bronchial asthma. Can someone assist me to find the best insurance policy for any reasonable cost as well as accepts pre-existing conditions? Any idea with an average cost?

  20. Lauralee 25 March 2013 at 5:53 pm Permalink

    We Want PUBLIC OPTION! This really is crazy especially throughout these miserable economic occasions.

  21. Jennefer 14 June 2013 at 8:25 pm Permalink

    I been unemployed for six days. Do in order to a damaged great toe on my small feet. They needed to remove my great toe nail in my foot to heel correctly. They agree to cover my bills and my lost of earnings for your time I had been out. But I’m not sure things to request when ever it arrived at discomfort and suffering. Can somebody assist me to with this particular I’d rather not be crazy however i do desire to be fair using the insurance provider.

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