The Funniest Insurance Claims Stories Ever Told

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When insurance agencies designed their claims forms they made one very fatal mistake. They left a large, blank area for drivers, homeowners, travelers and anyone else filing a claim by hand to describe, in their own words, exactly what happened to cause their accident. These blank spots have given births to some of the funniest insurance claims stories ever told! Here’s a look at what today’s insurance professionals see cross their desks every day:

• When explaining the causes for his accident a driver stated, “I was on my way to the doctor’s with rear end trouble when my universal joint gave way, causing me to have an accident.”

• Who says that middle age doesn’t have its drawbacks? A driver stated on his insurance claim form that they had “been driving [my] car for forty years when [I] fell asleep at the wheel.”

• “I didn’t think the speed limit applied after midnight.” Huh?

• “When I saw I could not avoid a collision, I stepped on the gas and crashed into the other car.” Why didn’t we think of that?

• A Charlotte lawyer, appreciating the value of a good cigar, insured his 24 pack of rare and expensive cigars through his homeowners insurance. A month later, having quite happily smoked them all, the man then filed a claim with his insurance company to reimburse him for the cigars. His claim? That they had been lost “in a series of small fires”, which was more than covered under his homeowners insurance policy.

A judge actually ruled in the man’s favor, stating that the insurance company had found the cigars to be insurable without defining what they considered to be “unacceptable” fire, and forced the insurer to pay the man $15,000 in damages. The insurer paid the claim, then turned around and had the man arrested for 24 counts of arson. Guess who had the last laugh?

• A driver on his way to work one morning stated, in quite an irritated fashion, that he had been on his way to work that morning when he ran into a bus at the end of his drive. His explanation? The bus had the audacity to be five minutes early.

• A young wife, anxious to see her Navy husband back from an extended tour of duty on a submarine, happily traveled to the harbor and parked her car on the end of the slip where the sub was due in. With an inexperienced ensign at the helm the submarine hit the end of the slip, causing the car to take an unexpected and alarming plunge into the water. Needless to say, the cost of a new car was on Uncle Sam!

• A driver stated that, while driving through farm country, a bull “must have been tickled by a fly” because it violently gored the man’s car. The question is, what was the car doing in the meantime?

And finally…

• Only in Louisiana. An insurance claims form stated, clearly and succinctly, that the man needed to cash in on his insurance claim because “Windshield broke. Cause unknown. Probably voodoo.”

What were they thinking?

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