Apart from crazy cars (see
krazykars.co,uk!) the crazy things about car
insurance are the weird and wonderful ways in which some
people try to trick the insurers. They forget that they
are not dealing with idiots but they still try anyway!
Here are some of the strange excuses that people have
made to try to extort money with weird claims.
I didn't realise
it was open until I put my head through it!
A gentleman in Middlesbrough claim
for a broken driver's side window. An inspector went
down to look at it and, yes indeed, it was pretty well
smashed; but it seemed to have been smashed from the
outside! The owner tried to explain that he wanted to
look out through the window, but he didn't realise it
was closed, so we put his head through it! Leaving aside
the factthat putting your head through a car window
would almost certainly result in a few hours in the
accident and emergency department of your local
hospital,the gentleman was remarkably unmarked after his
The inspector couldn't help laughing out loud. The owner
later admitted that he had left his keys in the
ignition, and and so had to break the side window to get
into his car.
I had to decide
what to do, so I ran a pedestrian over
This one is not so funny. This guy
from Liverpool was driving down the road but not paying
a great deal of attention. He suddenly realised that the
car in front of him had come to a complete halt. No
problem, what you do is apply your brakes. Not this guy.
He was in a rush so he swerved round the car!
Unfortunately there was an unhelpful pedestrian who
happened to think that he have the right to walk along a
zebra crossing, and who got right in the way!
The pedestrian finished up in hospital, the driver was
charged with driving without due care and attention, but
the insurance company did pay out anyway.
I thought the
speed limit only applied during the day
A young driver out to impress his
girlfriend took her for a midnight drive around some
country roads in Dorset. Unfortunately he didn't seem to
realise that other drivers also used country roads at
night. On tearing round a corner on the wrong side of
the road he hit an oncoming vehicle and smashed in the
side of it.
Fortunately there was a 30 mph speed limit on this road
and the oncoming driver had obeyed it. Our hero hadn't.
When he filled in his accident claim form he confessed
that he was driving in excess of the speed limit, but
stated that to the best of his knowledge it didn't apply
at night time.
The claim was upheld; but he was lucky not to have been
The voodoo did it
A lady with a highly developed
imagination came out to her car in the morning, only to
find a crack down the windshield. She phoned insurance
company; and they asked her how the damage had occurred.
There was a silence for a while, then she stated that
she was a medium and she had upset the spirits of some
dead people. The only logical conclusion she could think
of was voodoo.
The insurance company, no doubt concluding that they
would be better off not knowing about this case, settled
it without argument..
crazy car insurance
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