Insurance Insanity

We've called our latest humor page Insurance Insanity simply because of the wording given or ridiculousness of the statements made to automobile insurance agents, adjusters, etc., upon a claim being presented. Although these are actual statements, the truth may or may not have been given. Regardless, you may think the claimants are insane.

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"On approach to the traffic lights the car in front suddenly broke. No witnesses would admit having seen the mishap until after it happened."

"Going to work at 7am this morning I drove out of my drive straight into a bus. The bus was 5 minutes early."

"I started to slow down but the traffic was more stationary than I thought."
Q: Could either driver have done anything to avoid the accident?
A: Travelled by bus?

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.

"On approach to the traffic lights the car in front suddenly broke."

"I didn't think the speed limit applied after midnight."

"I knew the dog was possessive about the car but I would not have asked her to drive it if I had thought there was any risk."

"Windscreen broken. Cause unknown. Probably Voodoo."

"The car in front hit the pedestrian but he got up so I hit him again."

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

"The other car collided with mine without giving warning of its intention."

"I collided with a stationary truck coming the other way."

"A truck backed through my windshield into my wife's face."

"A pedestrian hit me and went under my car."

"In an attempt to kill a fly, I drove into a telephone pole."

"I had been shopping for plants all day and was on my way home. As I reached an intersection a hedge sprang up obscuring my vision and I did not see the other car."

"I was on my way to the doctor with rear end trouble when my universal joint gave way causing me to have an accident."

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

"I was thrown from the car as it left the road. I was later found in a ditch by some stray cows."

"Coming home I drove into the wrong house and collided with a tree I don't have."

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

"The guy was all over the road. I had to swerve a number of times before I hit him."

"I had been driving for forty years when I fell asleep at the wheel and had an accident."

"As I approached an intersection a sign suddenly appeared in a place where no stop sign had ever appeared before."

"To avoid hitting the bumper of the car in front I struck a pedestrian."

"My car was legally parked as it backed into another vehicle."

"I told the police that I was not injured, but on removing my hat found that I had a fractured skull."

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

"The pedestrian had no idea which way to run as I ran over him."

"I saw a slow moving, sad faced old gentleman as he bounced off the roof of my car."

"The indirect cause of the accident was a little guy in a small car with a big mouth."

"The telephone pole was approaching. I was attempting to swerve out of the way when I struck the front end."

"The gentleman behind me struck me on the backside. He then went to rest in a bush with just his rear end showing."

"I had been learning to drive with power steering. I turned the wheel to what I thought was enough and found myself in a different direction going the opposite way."

"I was backing my car out of the driveway in the usual manner, when it was struck by the other car in the same place it had been struck several times before."

"When I saw I could not avoid a collision I stepped on the gas and crashed into the other car."

"The accident happened when the right front door of a car came round the corner without giving a signal."

"No one was to blame for the accident but it would never have happened if the other driver had been alert."

"I was unable to stop in time and my car crashed into the other vehicle. The driver and passengers then left immediately for a vacation with injuries."

"The pedestrian ran for the pavement, but I got him."

"I saw her look at me twice. She appeared to be making slow progress when we met on impact."

"The accident occurred when I was attempting to bring my car out of a skid by steering it into the other vehicle."

More Insurance Insanity

"Request for Additional Information"

I am writing in response to your request for additional information. In block number three of the accident reporting form, I put "poor planning" as the cause of my accident. You said in your letter that I should explain more and I trust that the following details are sufficient:

I am a bricklayer by trade. On the day of the accident, I was working alone on the roof of a new six-story building. When I completed my work, I discovered that I had about 500 pounds of bricks left over. Rather than carry the bricks down by hand I decided to lower them in a barrel by using a pulley, which fortunately was attached to the side of the building at the sixth floor. Securing the rope at the ground level, I went up to the roof, swung the barrel out and loaded the bricks into it. Then I went back to the ground and untied the rope, holding it tightly to insure a slow descent of the 500 pounds of bricks. You will note in block number 11 of the accident reporting form that I weigh 185 pounds. Due to my surprise at being jerked off the ground so suddenly, I lost my presence of mind and forgot to let go of the rope. Needless to say, I proceeded at a rather rapid rate up the side of the building. In the vicinity of the third floor, I met the barrel coming down. This explains the fractured skull and broken collarbone. Slowed only slightly, I continued my rapid ascent, not stopping until the fingers of my right hand were two knuckles deep into the pulley. Fortunately, by this time I had regained my presence of mind and was able to hold tightly to the rope in spite of my pain. At approximately the same time, however, the barrel of bricks hit the ground - and the bottom fell out of the barrel. Devoid of the weight of the bricks, the barrel now weighed approximately 50 pounds. I refer you again to my weight in block number 11. As you might imagine, I began a rapid descent down the side of the building. In the vicinity of the third floor, I met the barrel coming up. This accounts for the two fractured ankles and lacerations of my legs and lower body. The encounter with the barrel, slowed me enough to lessen my injuries when I fell onto the pile of bricks and fortunately, only three vertebrae were cracked. I am sorry to report, however, that as I lay there on the bricks in pain, unable to move, and watching the barrel six stories above - I again lost my presence of mind. I let go of the rope!

If you liked this page on Insurance Insanity try the links below for more humor on various topics:
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Blonde Jokes
Humor Involving Kids
Church Humor
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Crazy Consumer Cautions
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Guys vs. Gals
Humor Is Good For The Body
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Praying For More Church Humor
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