Below, find five categories of insurance claims that will tickle your funny bone, taken from claim forms and insurance quote sites.
Funny Insurance Claims
Funny Insurance Claims Pertaining To Property damage:
• A Charlotte lawyer purchased a box of Cuban cigars and insured them against flood, storm damage and fire. His investment went up in smoke within a month, after which the lawyer filed a claim with his homeowners insurance company. He was owed compensation because “the cigars were lost in a series of small fires.” The insurer denied the claim, assuming that the man had smoked them. The judge ruled, however, that the insurer had never stated what “unacceptable” fire damage was, so the company owed the client $15,000 to replace his property. The insurance company settled the claim, but countersued and the lawyer was arrested, sentenced to a $24,000 fine for 24 counts of arson and insurance fraud and 24 months in jail.
• While on bail during the trial for the murder of her husband, a woman cleaned her carpets professionally to remove the floors of blood stains found following the murder. The woman then filed a homeowners insurance claim for reimbursement following the expenditure. When the verdict was declared and the woman was found guilty, the homeowners insurance company denied the claim.
Funny Insurance Claims Pertaining To Collisions:
The following are excerpts from claim forms:
• A truck backed through the windshield into my wife’s face.
• The telephone pole was approaching – I made an attempt to swerve out of the way when I struck its front end.
• An invisible car came up out of nowhere, struck my own car and vanished.
Funny Insurance Claims Pertaining To Celebrity insurance:
• Many people have heard about KISS singer Gene Simmons’ insurance policy on his tongue. But lesser-known celebrities have insured their “talents” as well. Mr. Methane, a British performer, sought coverage against the loss of his talent: performing ditties such as “How Much is That Doggy in the Window?” and “Twinkle, Twinkle Little Star” using his naturally-produced gases. Coverage was denied.
• Comic actor Ken Dodd insured his famous buck teeth for £4 million, while Harvey Lowe, the winner of the first World Yo-Yo Contest in 1934, was provided hand insurance by the Cheerie Yo-Yo Company for $150,000.
Funny Insurance Claims Pertaining To Animal damage:
• Galveston Insurance Associates provides this story involving a dog trapped in an attic. As a joke, some boys pushed a dog up a ladder to the attic of a woman’s home. The trapped dog ran through the attic looking for a way out. As he ran, the dog’s paws repeatedly broke through the ceilings below. When the woman got home, she heard the sounds and opened the attic door, so the dog was released. The insurance claim for ceiling damage was covered, since the dog did not belong to the homeowner. Had it been her dog, the claim would have been denied.
• Mound Prairie Mutual Insurance Providers shares this story of compassion for a goose. A claim came from a woman who had a diamond earring stolen- by her pet goose. The goose had eaten the earring and swallowed it before she was able to retrieve it. In an effort to find the diamond, the woman kept her pet in a confined space in the garage. After searching the goose’s leavings for 2 weeks, the woman filed a claim. The agency advised her to put the goose down and dissect it, as the earring could probably be recovered from the goose’s neck crop. The woman was unable kill the goose, and the claim was denied.
Funny Insurance Claims Pertaining To Theft:
• Underwriters in the Costa Del Sol region of Spain say that claims for lost or stolen Rolex Oyster watches, retailing over $1,000 US, have risen dramatically in recent years. Those receiving the claims for these watches have become skeptical, as the number of claims now exceeds the number of Oyster watches Rolex has manufactured.
Random Funny Claims:
Other funny claims have gone down in history, such as the Leonard v. Pepsico, Inc. in Dade County, Florida (11th Jud. Cir. 1996). Mr. Leonard collected 15 Pepsi Points and a check for $699,998.50, for 6,999,985 additional points and $10.00 for shipping and handling, to purchase the Harrier jet shown in the Pepsi television commercial for 7,000,000 points. Pepsi refused to honor his request and Leonard sued. Unfortunately, the judge sided with the defendant and Leonard did not receive his Harrier jet.
Keeping these stories in mind may cheer you as you complete your next round of insurance paperwork; with any luck, none of your claims will circulate on the internet in the future.
Sarah enjoys her job as a freelance writer for an insurance comparison site . If she is not busy writing about insurance then she can be found biking at some of her favorite trails.
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