“You’ve Got to Be Kidding Me” Insurance Claims



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Montorpedo

Not insurance but my claim got denied because I didn't think, when a big rig hit me at a three way intersection

Unicorn Of Depression

My only accident: I used to drive Uber.
Pick up a dad & his 8yo kid. Car next to us merges in to me. I pull over as does the other driver. I ask the Dad to check on his kid, while I write down the license plate. Dad tells me the best thing ever: "I'm a police officer. I'll take care of this."
I sat and chatted with his kid, then exchanged info with the other driver. Two days later, insurance calls saying they had no way to challenge my claim. "You had a cop in your car, and he said there is no way you were at fault. We can't argue with that." Got all damages covered, plus 4 weeks of wages covered.

Brandon Rogers

I have one. It was late on a Friday night, and I was just pulling out a auto shop after getting some emergency brake repairs done. I had about an hour and a half drive back home, and oh boy was I ready to start an upcoming three day weekend. …Too bad I was in such a hurry I ended up rear-ending a car in front of me. Thank god, no one was injured, but… the lady driving later tried suing my family for 300,000. …I was going exactly eight miles an hour and had left nothing but a TEENSY, barely visible dent on her rear end. Furthermore, she tried citing "severe back injuries" from my collision. An investigator assigned to our case quickly saw her walking around her front yard JUST fine… and doing yard work too. We're still waiting on them to settle, but man, it was idiotic of them.

wolfbyte3171

Work in commercial insurance. One of the other employees managed a country club. Club burned down, and got a Builder's Risk policy to rebuild the club.

One week before the builder's risk policy renews, the incomplete club burns down again.

Gasolina

I’m not an insurance person, but my friend is. My favorite story of his is how one person said that their smart car got stolen. they had video footage. it was four guys wearing all black and wearing masks, who came and lifted the car up and walked away with it. I have absolutely no clue how they didn’t get caught.

silverdemonwolf426

I'm sure the insurance adjuster said 'You've got to be kidding me' when my mom called in about her car.
Just to set the scene, and I swear this is all true, we just had the worst string of luck that week:
Monday afternoon my car breaks down on the way home from class.
Tuesday night my sister's boyfriend totaled her car, and when my stepdad went to clean out the trunk he found less than legal stuff (the word starts with a D), and the resulting blowup ended with him getting kicked out.
Thursday we woke up to a flooded living room from the water heater kicking the bucket.
My mom's car had been in the shop for hail damage and Friday she got a call. "Ma'am, I don't know how to tell you this, but we kind of wrecked your car."
"You WHAT?!"
"One of our workers went to drive it in so we could look at it, and he had a seizure and kind of floored it into the only tree on the lot."
My mom just put her head down and hysterically laughed, then apologized and said that they didn't know the week she just had and if she didn't laugh she was going to start crying.

Also by the end of the week my stepdad was saying "No one touch my truck."

SiegeTF

After taking a punch from Dolph Lundgren, Sly Stallone had to go to the hospital for a bruised heart, among other troubles. The insurance adjuster thought he had been hit by a truck, went to the set, and was introduced to the human full-sized pickup truck that is Dolph.
Claim approved.
P.S.
I suppose I should clarify for the younger generation – the set was for Rocky II.

Pathoes R

I'm a claim handler! I had to deny a lady who claimed her rusty muffler fell off during a sudden flood across a busy highway while traveling 60 mph on a day with no rain.

Phlush Phish

Asian driver. That's how you manage to do that. How do you know when too many Asians move into the neighborhood? The Mexicans buy car insurance!

Alicha May

Someone I know had to claim not once, twice, but three times for hitting a deer with her car within a five year period. They were legit; she traveled to visit relatives over wooden roads. Her broker half joked if she was intentionally hitting the deer.

DarthBane1024

Thing about truck drivers is they aren't the smartest members of society. That's why they settled for trucking. Never surprises me the idiocy.

matt carnes

Hoa running karen got thrown threw a window for power tripping on her "job" i cancelled her case and awarded the money to the cool guy who stood up for himself.

2shy2guy

I have one:
My aunt/uncle recently bought a flat in DC. After finishing the process of buying the house, (they had JUST become the legal owners) they went out for lunch and drove around for around 2 hours. When they got back, the house was flooded from the toilet cracking. I could only imagine being the person on the other end of that insurance call, hearing that someone had bought a house and the entire thing was ruined in the span of 2 hours.

Awesome Anthony Productions

The one about the bull and the car… I made an unholy noise in the middle of the office and couldn't explain why

TheTSense

Nice

Meme Lols

Heheheh

J.t Grooms

Good Wednesday afternoon