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Injured By an Ice Missile

VN:R_U [1.9.1_1087]
+7 (7 votes)

We received an auto claim from one of our insureds. The policy holder indicated that she suffered severe facial and neck injuries while she was traveling on a local freeway. The only injury to her vehicle was a broken windshield. The claim states that while she was traveling home from work one day a chunk of ice from the top of a semi-truck flew off the truck and into her windshield injuring her in her face and neck. We did a little research to see if this was a common problem and it turns out that chunks of ice that break off the tops of commercial trucks are known as Ice Missiles!

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Glass Clean Up Motivation

VN:R_U [1.9.1_1087]
+2 (4 votes)

We insure a bottle recycling center. A young woman who brought in bags of plastic bottles, tripped and fell on broken glass scattered all over the parking lot, causing cuts, which resulting in scarring. We paid the claim and asked the manager to clean up the glass. Within 6 months after the incident, four additional claims occurred with witnesses describing the conditions of the parking lot as the same as it was when the woman fell. The last claim was a work comp claim by the manager—he fell on the glass. After that incident, the glass was cleaned up.

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MALPRACTICE- kills baby!

VN:R_U [1.9.1_1087]
+3 (5 votes)

We received a malpractice claim today from a Pain Management doctor that we insure. The records indicate the claimant was a 25 year old female. She had given birth to a baby girl last June. The doctor was seeing the mother of the baby before she was pregnant and saw her every 30 days for pain management. He did not give her pain medications when she was pregnant but did prescribe her pain medications post child birth. His records clearly indicate she was breast feeding her baby. However, he prescribed Hydrocodone for the first three months and then increased her prescription to Oxycodone when she had an exacerbation of pain.

The woman’s baby subsequently died from a drug overdose. She is now suing the physician for the death of her baby. This is a loser of a case however we can decrease the settlement based on the fact that she contributed to death by taking the prescriptions when she was breast feeding. The prescription bottles do have a warning label so she did contribute to the death.

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Bowling For Dollars???

VN:R_U [1.9.1_1087]
+6 (6 votes)

This is a homeowner’s claim received in our office. A woman decided to turn her hardwood floor into a bowling alley to practice her bowling game. As you can imagine the bowling ball caused significant damage to the hardwood floors. The owner filed a loss report claiming that the floor’s damage was not the result of the heavy bowling ball, but due to the hardwood not being hard enough. Denied.

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Tombstone Causes Injury and Subsequent Lawsuit

VN:R_U [1.9.1_1087]
+7 (7 votes)

A lawsuit was filed by the parents of a 5 year old boy against a cemetery in California stating that the boy suffered a crushed pelvis after the cross atop a tombstone fell on him. The family was visiting the cemetery and while the child was walking past the particular tombstone the cross fell and trapped the boy. The cross weighs 600 pounds and is approximately 4 feet high. It turns out that the heavy cross was held in place by glue. It has since been repaired and is now held in place by metal and bolts. No word of the outcome of the case.

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Cliff Dive

VN:R_U [1.9.1_1087]
+7 (7 votes)

Claimant’s car fell off a steep cliff, killing two passengers. Claimant survived and was rescued by a helicopter. She wasn’t expected to survive, but miraculously did after multiple surgeries. She filed a claim against the City, claiming there wasn’t sufficient signage and the guard rail was flimsy. The city responded with claimant’s statements that she and the passengers were fighting, which caused her to lose control of the car when she was having a physical altercation while operating the vehicle. The claim was denied.

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Snake in the Tank

VN:R_U [1.9.1_1087]
+6 (6 votes)

A claim was submitted for engine repairs for a classic 1969 Chevy Camaro. He was concerned that his car wasn’t performing up to its usual standards. Shortly after he started down the highway, the engine began to overheat and the car became inoperable. He called the motor club and had his car towed to a service station, a mechanic discovered that a snake had wrapped its way around the drive-belt pulleys, causing the belt to slip off and the car to overheat.

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Lost Luggage???

VN:R_U [1.9.1_1087]
+6 (6 votes)

A woman who had taken out travel insurance for her long awaited Alaska cruise filed a claim for lost luggage. When talking to the policyholder she indicated that it turned out that she had a severe case of seasickness one night and ended up throwing up over the edge of the ship. While she was getting sick she lost her dentures overboard as well. She stated that she figured to claim it as lost luggage was easiest because she could not find a box on the claim form for lost dentures.

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