Top 5 Weirdest Insurance Claims

Tuesday, May 5, 2015



Insurance is meant to protect our assets and our loved ones in the event of death. Sometimes people don’t read or understand their insurance policies, and sometimes they make claims that are outside the realm of “usual”. But hey, it’s worth a shot. You never know.

Here are five truly strange insurance claims for your entertainment:


5. Falling humans

A skydiver in Wales was attempting to land at an air base but he missed and crashed into a tent occupied by a family at a nearby campground.

Luckily no one was seriously injured, however the family’s camping equipment was ruined. To make matters worse, when the family filed their insurance claim, they discovered their policy did not cover humans falling from the sky.

4. Bad hair day

While cooking in her parents’ kitchen, a teenage girl reached into the oven for a hot dish. In doing so, she singed her long hair on the oven door. Her father took her to a local salon to repair the damage, but they botched the job leaving the poor girl in tears.

Hoping to reclaim the cost of the haircut, the father filed an insurance claim for the accident. However the claim was denied because a bad haircut is not considered an injury.

3. Camel car kick

After purchasing plants at a local nursery, a man exited the store just in time to see a passing camel kick and damage his car.

When he made a claim, the insurance adjusters asked for proof. Luckily a local television crew happened to be filming nearby and caught the camel footage on camera, corroborating the man’s story.

2. Road rash

A man decided to let his girlfriend drive his motorcycle. Unfortunately, she crashed the bike.

Worried that his claim would be denied since he wasn’t driving the bike, the man told his insurance company that he had been driving. To make it look even more realistic, he got his friend to drag him behind a truck in order to produce a realistic case of road rash. But it was a “rash” decision because his girlfriend had already told police that she had crashed the motorcycle.

1. Bumbling burglar

A thief in the process of robbing a home accidentally locked himself in the garage. The garage door opener was broken and the homeowners were on vacation, leaving the bumbling burglar trapped for two weeks. He survived on dog food and pop until the homeowners returned to find him locked in the garage.

After serving his time in prison for the burglary, the thief filed an insurance claim for mental anguish. More bizarrely, he won.

Editor’s note: This article was originally published on January 10, 2012 and has been updated for relevancy and accuracy.

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