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We’ve Heard it All, Except this One

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

We see all sorts of claims at our rental car company, but this one was one of the craziest. A man rented an economy car (small) and there were significant scrapes to both sides of the car when he returned it. He claims he drove through a narrow alley and the car got stuck on the walls of the buildings. We are in Texas, not Europe. We didn’t believe the story, but he paid for the CLD and so the car was covered.

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CRASH DURING JEOPARDY

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

Our homeowner had just got home from work. She filled up a glass of wine and turned on her daily ritual of watching Jeopardy on television. She got excited and screamed out a difficult answer and at the same time a Dodge Ram truck crashed through her home. It barely missed hitting her. She was very shaken as she lives on a corner lot and this is the second time a car has crashed through her home. She was excited about living in a hotel while her home is being repaired but was nervous that we would cancel her policy since this is the second time this has happened.

The only thing I could tell her is the renewal was not in my control and since her renewal policy has only been in effect for one month she has Eleven months until renewal time.

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DINNER PARTY GONE WRONG

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

I received a homeowners claim for FOOD POISONING. Our homeowner had a dinner party for 16 guests and they all came down with food poisoning. Apparently she had gone to her grandmothers house and discovered wild mushrooms way out in the back of her one acre lot. She decided this would be a great item to add to her dinner part. Apparently, they were poison mushrooms and everyone that ate them was violently ill. The funny part of the claim is that they were all together in the Emergency Room at the same time and the party continued even if it was on a sour note. We will pay for the treatment up to the policy limits.

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Eclipse Claim

VN:R_U [1.9.1_1087]
+1 (3 votes)

We already received a claim regarding the solar eclipse. Our insured had purchased 30 pairs of solar eclipse “glasses” for resale. A man claims that the pair he purchased from our insured was broken and that he would either miss the rare event or damage his eyes. He sent a demand to our insured for $5,000. We’ve denied the claim. Claimant could have come back to the store and sought a replacement for the damaged pair or bought glasses somewhere else. Missing the eclipse would not have resulted in any financial loss as Claimant is not a scientist. He’s a used car salesman.

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INSURANCE FRAUD JOKE OF THE DAY

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

A lawyer and an engineer were fishing in the Caribbean. The lawyer said, “I’m here because my house burned down, and everything I owned was destroyed by the fire. The insurance company paid for everything.”

That’s quite a coincidence,” said the engineer. “I’m here because my house and all my belongings were destroyed by a flood, and my insurance company also paid for everything.”

The lawyer thought for a moment, but was puzzled. Finally he asked the engineer, “How do you start a flood?”

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Roller Coaster Selfie

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

Claimant was riding on our insured’s roller coaster. She fell off and suffered several fractures. She claimed that the cause of her fall was due to the negligence of our insured. We subpoenaed all pictures she took at the park the day of the incident and there were selfies of her on the ride. We were able to determine that she posed in such a way that she was actually standing on the ride, which caused the fall. We denied the claim.

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TOO MUCH COCONUT WATER CAN BE DANGEROUS

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

We received a medical claim for a patient that was playing tennis on a hot day. Over a period of a few hours he drank eight 11 ounce bottles of coconut water to help re-hydrate himself. Instead he became dizzy and lost consciousness.

He was taken to the Emergency Room via ambulance. It was discovered his blood pressure and heart rate were very low. His body had too much potassium which caused all of the problems. Coconut water is loaded with potassium and too much potassium in your system can cause cardiac arrest.

So while limited amounts of coconut water is good for you be cautious not too drink too much !

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It Was the Dog’s Fault!

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

Claimant was working with our insured in his garage with power tools. Somehow, Claimant became seriously injured by an electric saw. Our insured claimed that Claimant knew better than to put his hand in the way of the saw. But Claimant claimed that our insured’s dog jumped on him, pushing him into the saw. We had denied the claim and then learned there was a security video taken by our insured.  After viewing it, it was quite clear that our insured’s dog was loose and jumped on Claimant as he said, pushing him into the saw. We paid the claim.

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