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MANAGING YOUR RISK - FEBRUARY 2008

Funny Insurance Claims
By Anthony Bevilacqua

To the average person, an insurance policy can be very puzzling. The language is frequently antiquated, an exception to a policy exclusion means coverage is actually provided (!), and endorsements to a standard policy can add coverage or remove coverage. Sometimes, common sense just doesn't make sense when you try to understand just what a policy covers and what it does not.

Claim adjusters are faced with similar issues when policyholders report claims. Take a few moments to read excerpts made by policyholders from actual claim files. Insurance can certainly be puzzling, but sometimes insurance can be really funny, too! Enjoy!

Here are some humorous auto accident statements "The pedestrian ran for the pavement, but I got him." "A truck backed through my windshield into my wife's face." "The gentlemen behind me struck me on the backside. He then went to rest in a brush with just his rear end showing." "The other car collided with mine without giving warning of its intention". The guy was all over the road. I had to swerve a number of times before I hit him."

How about these calamities "Coming home I drove into the wrong house and collided with a tree I don't have." 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. "I pulled away from the side of the road, glanced at my mother-in-law and headed over the embankment." "The accident happened because I had one eye on the truck in front, one eye on the pedestrian, and the other on the car behind."

Think about these "No witness would admit having seen the mishap until after it happened." "I had been driving for forty years with I fell asleep at the wheel and had an accident." 'I knew the dog was possessive about the car but I would not have asked her to drive if I had thought there was a risk." "I didn't think the speed limit applied after midnight."

And you thought insurance was confusing!

Anthony Bevilacqua, CPCU is President of Anthony & Company, an independent insurance agency with special insurance and risk management services tailored to the needs of the commercial and residential development community. You can reach Mr. Bevilacqua at (908) 806-8844 or email him at insure@anthonycompany.com.

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