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January 19th, 2015 by

shutterstock 23015623 - 40 of the Most Ridiculous Car Insurance Claims

Written by Samantha Steyn
We’ve all been in the position where we have felt we had to lie to our insurance provider in order to gain coverage for a car accident that actually was our fault. I guess the more desperate you are, at the time, the more extreme your claim story ends up being. Here are 40 of the most ridiculous car insurance claims ever recorded (and some were even approved/found to be true!). No matter how desperate your situation, try to stay away from these…
  1. “I was driving along the motorway when the police pulled me over onto the hard shoulder. Unfortunately, I was in the middle lane and there was another car in the way.” (How rude!)
  2.  “Going to work at 7am this morning, I drove out of my drive straight into a bus. The bus was five minutes early.” (I mean, how dare s/he?)
  3. “The accident happened because I had one eye on the lorry in front, one eye on the pedestrian and the other on the car behind.” (So… That’s three eyes, then?)
  4. Q: “Could either driver have done anything to avoid the accident?” A: “Travelled by bus?” (I guess not…)
  5. The claimant had collided with a cow. The questions and answers on the claim form were – Q: “What warning was given by you?” A: “Horn.” Q: “What warning was given by the other party?” A: “Moo.” (So, sufficient warning was given :D)
  6.  “I didn’t think the speed limit applied after midnight.” (Who would?)
  7. “Windscreen broken. Cause unknown. Probably Voodoo.” (Probably…)
  8. “The car in front hit the pedestrian but he got up so I hit him again.” (Good on you!)
  9. “I pulled away from the side of the road, glanced at my mother-in-law and headed over the embankment.” (Uuuuuhmmm…)
  10. “A pedestrian hit me and went under my car.” (Well, that clears things up.)
  11. “I was on my way to the doctor with rear-end trouble when my universal joint gave way causing me to have an accident.” (So… About that rear-end trouble…)
  12. “An invisible car came out of nowhere, struck my car and vanished.” (Hmmm mmm.)
  13. “I was thrown from the car as it left the road. I was later found in a ditch by some stray cows.” (I hope they gave you CPR.)
  14. “Coming home, I drove into the wrong house and collided with a tree I don’t have.” (Bet your neighbour just adores you!)
  15. “I thought my window was down, but I found it was up when I put my head through it.” (Ouch…)
  16. “I had been driving for forty years when I fell asleep at the wheel and had an accident.” (Well, at least you stayed awake for 40 years?!)
  17.  “As I approached an intersection, a sign suddenly appeared in a place where no stop sign had ever appeared before.” (The audacity…)
  18. “My car was legally parked as it backed into another vehicle.” (So whose fault is it really??)
  19. “The gentleman behind me struck me on the backside. He then went to rest in a bush with just his rear-end showing.” (Did you get a picture?)
  20. “No one was to blame for the accident, but it would never have happened if the other driver had been alert.” (So no one is to blame then?)
  21. “The pedestrian ran for the pavement, but I got him.” (The difference between reality & ‘Need4Speed’.)
  22. “My car got hit by a submarine.” (The Navy informed the wife of a submariner that the craft was due in port. She drove to the base to meet her husband and parked at the end of the slip where the sub was to berth. An inexperienced ensign was conning the sub and it rammed the end of the slip, breaking a section away, causing her car to fall into the water. The Navy paid the compensation claim.) (So it really did happen!?)
  23. “A house hit my car.” (A house was being moved by a large truck. My friend had his car parked on the side of the road – correctly. The house began to tilt off the truck and eventually fell off the truck, landing on my friend’s car. He eventually had the insurance paid, after a lengthy explanation and the moving company confirming the story.) (Wow…)
  24. “I knocked over a man. He admitted it was his fault, as he had been run over before.” (Ok…)
  25. “The other car collided with mine without giving any warning of its intention.” (Just terrible!)
  26. “A cow wandered into my car. I was, afterwards, informed that the cow was half-witted.” (Now that makes sense…)
  27. “There was no damage done to the car, as the gatepost will testify.” (Thank goodness!)
  28. “I can’t give details of the accident as I was somewhat concussed at the time.” (Fair enough.)
  29. “I blew my horn, but it would not work as it was stolen.” (Which is not your fault, of course!?)
  30. “I left my car unattended for a minute, and whether by accident or design it ran away.” (I definitely think it was on purpose.)
  31. “On the M6 I moved from the centre lane to the fast lane but the other car didn’t give way.” (Do they not know the rules of the road?!)
  32. “In an attempt to kill a fly, I drove into a telephone pole.” (So the fly lived then?)
  33. “The telephone pole was approaching and I was attempting to swerve out of its way when it struck the front end of my car.” (Bad telephone pole!)
  34. “The accident was caused by me waving to the man I hit last week.” (Glad you guys are friends!)
  35. “The car in front of me stopped for a yellow light, so I had no choice but to hit him.” (I mean, who does that??)
  36. “The water in my radiator accidentally froze at 12 midnight.” (So the clock struck twelve…)
  37. “There were plenty of lookers-on but no witnesses.” (Such a pity!)
  38. “I was struck by a flying Christmas tree.” (A car coming in the opposite direction had a large Christmas tree badly tied to the roof and was driving too fast. The tree lifted off and flew straight at me. The trunk made a great dent in my bonnet and caused me to run off the road and into a hedge.) (T’was a magical Christmas indeed.)
  39. “A sheep fell out of the sky and landed on my bonnet.” (I was driving home from the pub and passing under the by-pass, when a sheep landed on the bonnet of the car. It had come from a lorry that had overturned on the by-pass and, in fright, had jumped over the parapet.) (Well I’ll be…)
  40. “We both went into a parking space at the same time and got jammed against the cars on either side. We were stuck fast and couldn’t open the doors and the fire brigade had to rescue us. It was very embarrassing – we had about a hundred people laughing at us.” (That’s ‘cause they’ve never had the guts to actually follow through with their parking-space threats!)
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