Top 10 Bizarre Insurance Claims

8/9/2019 Top 10 Bizarre Insurance Claims

1/15


2/15

.t !asnt that he ha" any $erverse or "eviant obsession ) he" been

using the tor%h on his i'hone !hile assisting the %o! "uring %alving

in the i""le of a $arti%ularly "ar& an" story night

+he $hone later a"e a rea$$earan%e ) but $erha$s a little

unsur$risingly, faile" to !or& $ro$erly

Result4 +he .nsuran%e %o$any $ai" out on the %lai in full

5Lying in Public

.sabel 'ar&er, the 27year7ol" 8ueen of the sli$7an"7fall s%a,

$rostrate" herself in "e$artent stores, su$erar&ets an" li8uor

stores 95 ties "uring her long %areer ) a sa" by$ro"u%t of her

gabling a""i%tion

'rose%utors sai" that she treate" insuran%e %lais li&e her :ob )

an" she &e$t very busy +he !oan file" a total of 95 bogus


3/15

$ersonal7in:ury %lais in 'hila"el$hia, ela!are County an" Ne!

Jersey, an" %olle%te" ;Waiter, theres a mouse in my soup!

Carla 'atterson trie" to ta$ a ?irginia Cra%&er /arrel restaurant for a

;


4/15

%oo&e" +he :ury believe" that the only !ay the ouse %oul" have

a$$eare" in the sou$ is if she" $ut it there

Result4 Bne7year $rison senten%e for %ons$ira%y to %oit etortionDbut she still aintains her inno%en%eE

ouble oofus

A an fro ela!are tor%he" his o!n hoe an" his o!n

%onvertible to %olle%t on his hoeo!ners an" auto insuran%e

Ni%holas i 'ua sai" it all starte" !hen $ans on his !oo" stove

ignite" !hile he !as %oo&ing +hen bu%&ets of %oals %aught on fire


5/15

After trying to etinguish the inferno, i 'ua sai" he thre! the first

bu%&et out the "oor, !here it a$$arently lan"e" in the ba%&seat of

his %onvertible

*hile en route to tossing the se%on" $an outsi"e, he tri$$e" an"

the se%on" lan"e" on his sofa Unbelievable# +hats !hat lo%al la!

enfor%eent thought, too i 'ua $lea"e" guilty to se%on" an"

thir" "egree atte$te" insuran%e frau"

Result4 ive7years $robation, no insuran%e benefits Hoe an" %ar

%o$letely "estroye"

6Bride on ire

=oe !e""ing "ays :ust "ont turn out the !ay you e$e%t

Fverything seee" to be going !ell on the "ay for 'aula Catelli


6/15

fro Riini, .taly, until her beautiful, han"7a"e !e""ing "ress

%ae slightly too %lose to the barbe%ue

+he syntheti% aterial !ent u$ in flaes ie"iately, an" !ithinoents Catelli !as !hat no girl on her !e""ing "ay ever !ants to

be ) a bri"e on fire

Her loving husban" save" the "ay by $i%&ing her u$ an" thro!ing

her into the sea ortunately, both bri"e an" groo !ere e%ellent

s!iers

Result4 +he insuran%e %o$any $ai" out


7/15

High living ha" left Chi%ago grain futures ee%utive ar% +ho$son

"ee$ly in "ebt .n "es$eration, he tor%he" his hoe for the

;30,000 in insuran%e oney

+o a&e it a$$ear a sui%i"e, he le" his 507year7ol" other Caren

"o!nstairs, "ouse" the baseent !ith a%%elerant, an" tosse" the

at%h

Caren +ho$sons Aug 11, 2002, "eath by %arbon onoi"e

$oisoning an" so&e inhalation ust have seee" the $erfe%t alibi

/ut fe"eral agents %ontinue" to investigate the fire, an" the truth

eerge"

*hat &in" of s&un& !oul" "o this#

Result4 ost "efinitely no insuran%e $ayout +ho$sons o!n future

is se%ure ) for 150 years in fe"eral $rison

9%ibrator Phone ail


8/15

An unnae" Dyoull see !hyE !oan in her late 20s fro /ristol,

U, "eserves $arti%ularly honorable ention in this list

ast year she %laie" that the vibration fun%tion on her /la%&berry/ol" 5500 $hone ha" sto$$e" !or&ing ) !ait for it ) !hile she !as

using it as an a"ult toy

Result4 Rau%ous laughter fro insi"e the insuran%e %lais offi%e for

several "ays

3&igared for life


9/15

A la!yer fro North Carolina $ur%hase" a bo of e$ensive %igars

an" insure" the against floo"ing, stor "aage an" ) of all things

) fire

Nee"less to say, his investent !ent u$ in so&e !ithin a onth )after !hi%h the la!yer file" a %lai !ith his hoeo!ners insuran%e

%o$any, stating that he !as o!e" %o$ensation be%ause Ithe

%igars !ere lost in a series of sall fires

+he insurer refuse" to $ay, assuing D%orre%tlyE that the an ha"

so&e" the $a%& hiself A :u"ge rule", ho!ever, that sin%e the

insurer ha" never state" !hat !as %onsi"ere" to be Iuna%%e$table

fire, the %o$any "i", in fa%t, o!e hi ;1


10/15

Result4 +he insuran%e %o$any $ai" the %lai, but then ha" the

la!yer arreste" He !as senten%e" to 29 onths in :ail an" a

;29,000 fine for 29 %ounts of arson an" insuran%e frau"

2$ropical #issiles

'eo$le !ere falling off their %hairs laughing !hen /ritish travel

agen%y Club ire%t began issuing $oli%ies to %over in:uries %ause"

by falling %o%onuts

/rent Fs%ott, their anaging "ire%tor, %ite" statisti%s !hi%h sho!

that 1


11/15

+hat sae year in =ri an&a, a Club ire%t %ustoer !as %ally

sitting un"er a $al tree rea"ing a boo& !hen a %o%onut fell on her

hea", &no%&ing her out %ol" =he !as "uly hos$itali(e" u%&y

Result4 .nsuran%e %o$any $ai" out in full

1lying &hristmas $ree

r air%lough !as "riving hoe fro Christas sho$$ing, !hen he

sa! a %ar %oing the other !ay !ith a Christas tree ba"ly tie" to

its roof


12/15

+his ust have been a s$lit se%on" observation4 no sooner ha" he

seen it than the tree laun%he" itself straight at hi

IHe !as "riving too fast aroun" a shar$ ben" an" . sa! the tree liftoff an" it fle! straight at e +he trun& a"e a great "ent in y

bonnet an" %ause" e to s!erve off the roa" into a he"ge

r air%lough a""e"4 I+he %ha$ "i"nt sto$ an" he never %ae

ba%& for his tree, so the 'oli%e sai" !e ight as !ell have it .t

!asnt funny at the tie, but loo&ing ba%& it !as li&e a %oe"y

s&et%h- Ni%e

Result4 .nsuran%e %o$any $ai" out all "aagesby $aboola

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19 ittle7no!n a%ts About Auto .nsuran%e K +he a%tors +hat RFAY eterine Auto

.nsuran%e Rates

*hen it %oes to your auto insuran%e $oli%y an" the fa%tors that go into

"eterining your auto insuran%e rates, here are a fe! things about auto

insuran%e %overage that you ight not reali(eL

Your personal items lost due to vehicle theft are not covered by your

auto insurance policy Your hoeo!ner $oli%y %overs these ites instea"

.f you regularly have e$ensive ites in your vehi%le su%h as la$to$s an" a

M'= "evi%e, you shoul" %arry a ri"er to %over those e$ensive ites You

shoul" also have $hotogra$hs of those ites
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13/15

Auto insurance is tax deductible for business use =i$ly "eterine

the aount of tie that you use your %ar for solely business $ur$oses or

ea$le if its 30G of the tie, then 30G of your auto insuran%e ay be

"e"u%tible .t ay be to your best a"vantage to ta&e the flat $er7ile

reiburseent instea"

If you purchase a lowris! vehicleD!hi%h is base" on the %ost of the

vehi%le, $lus safety an" theft "ataE an"or a lo!7$rofile vehi%leDone that is less

li&ely to be stolenE, then your auto insuran%e rates !ill be lo!er *hi%h %ars

!ill %ost you less is a bit of a se%ret in the auto insuran%e in"ustry Ho!ever

the.nsuran%e .nstitute for High!ay =afety has "atathat you %an resear%h tohel$ you a&e an e"u%ate" "e%ision An" heres ho! to loo& u$ your %ars

relative ris&

Your occupation affects your auto insurance rates or ea$le,

engineers get "is%ounte" rates be%ause they are "eee" less li&ely to O!ra$

their %ars aroun" the trun& of a horse %hestnut treeO +ea%hers %an also as&

for a "is%ount base" on their o%%u$ation

If you switch your auto insurance policy" don#t for$et to cancel your

old policy- Bther!ise, it !ill be re$orte" to your %re"it re$ort as %an%ele" "ue

to non7$ayent

You can as! for a diminished value reimbursement on your car if it

has been in an accidentan" is re$aire" P be%ause it !ill be !orth less than

if it !ere not in an a%%i"ent +his %an only be "one if you live in lori"a,Meorgia, Ha!aii, ansas, ouisiana, aine, arylan", assa%husetts, North

Carolina, =outh a&ota, +eas, ?irginia, *ashington an" *est ?irginia and if

the a%%i"ent !as not your fault
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14/15

%a!e sure your vehicle information is listed properly on your auto

insurance policy ittle ina%%ura%ies %an a&e a big "ifferen%e in your auto

insuran%e rates- /elieve it or not, ista&es li&e this are 8uite %oon4

in%orre%t ileage liste", ista&ing a 97"oor vehi%le for a 27"oor, an" the

!rong o"el of vehi%le liste" Dsin%e so any o"el naes soun" very

siilarE

Affiliation with AAA and other professional or$anizations will lower

your auto insurance rates Che%& !ith your e$loyer to see if they offer any

grou$ insuran%e rates As& your insuran%e re$ !hi%h grou$s K organi(ations

!oul" lo!er your auto insuran%e rates

If a friend borrows your car and $ets in an accident" you will have to

file a claim!ith your auto insuran%e %o$any +hat eans you !ill have to

$ay any "e"u%tible that a$$lies, an" your auto insuran%e rates !ill $robably

go u$ as a result of your %lai

Your auto insurer has to pay the insurance on your replacement carif

your $revious vehi%le is totale" .f you live in Alas&a, Ari(ona, Ar&ansas,

California, Conne%ti%ut, lori"a, Meorgia, Ha!aii, .llinois, .n"iana, ansas,

entu%&y, arylan", innesota, issouri, Nebras&a, Neva"a, Ne! Jersey,

Ne! Yor&, North a&ota, Bhio, B&lahoa, Bregon, =outh a&ota, ?eront,

*ashington, *est ?irginia an" *is%onsin be sure to as& for a reiburseent

You should insure your cars and your home with the same company

for a multipolicy discount .n a""ition as& for an abstainer fro al%ohol"is%ount Dif you "ont "rin&E an" a "is%ount if you use an anti7theft "evi%e

In &' state

s" auto insurers are re(uired to pay for the sales tax when you replace
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15/15

your totaled vehicle!ith a ne! or use" %ar .ts re%oen"e" that you a&e

the re8uest Deven in states that "o NB+ re8uire this reiburseentE, but "ont

e$e%t the insurer to offer to $ay u$front .n the en", any auto insurers !ill

not "eny your re8uest P be%ause the auto insuran%e $oli%y re8uires that they

a&e you O!holeO Dreturn you to !here you !ere before the a%%i"ent at no

%ost to youE

Your credit score affects your auto insurance rates Resear%h has

$roven that theres a lin& bet!een your %re"it s%ore an" the li&elihoo" that you

!ill file a %lai 'lus, %ar insurers &no! that if you $ay your bills on tie an"

youve ha" the sae %re"it a%%ounts for a long tie, then youre generallyore stable an" far less li&ely to $ay late or o$en K %lose a%%ounts a lot Auto

insuran%e %o$anies use all of this inforation to %oe u$ !ith an Oinsuran%e

ris& s%oreO for you +hat is one of any fa%tors !hi%h are use" to "eterine

your auto insuran%e rates

The urban le$end about the color of your car affectin$ how much you

pay for auto insurance is false *hile the %olor of your %ar is an in"i%ator of

your $ersonality an" "riving habits, O"es$ite the ista&en belief by 2

Documents

Top 10 Bizarre Insurance Claims