Checking what your car insurance covers could help you avoid problems further down the line, particularly if you run into problems that are not included in your policy. Sometimes road accidents and other incidents take place that motorists are hopeful will be covered by their policies, even if the specifics of the incident may be unconventional or even embarrassing to recount.
A notorious subject of car insurance claims is for impacts with stationary objects, which imply that the driver's attention was distracted. Genuine examples of claims for stationary object impacts include the driver who explained: 'Coming home I drove into the wrong house and collided with a tree I don't have,' while another detailed: 'As I approached the intersection, a stop sign suddenly appeared in a place where no stop sign had ever appeared before. I was unable to stop in time to avoid the accident.'
Some frequently reported insurance claims sound like jokes at first, but under examination it becomes clear what the claimant was trying to say - though their grammar or choice of words and phrases make the situation sound very different to the reality. One of the best known examples is the driver who claimed: 'The guy was all over the road. I had to swerve a number of times before I hit him.' This is a misunderstanding of meaning that's become a firm favourite of those who enjoy dark humour.
On the other hand, there are some insurance claims that stretch credulity to breaking point and are difficult to take as anything other than a joke at the expense of the insurance company. One example is the claim that reads: 'I knew the dog was possessive about the car but I would not have asked her to drive it if I had thought there was any risk.' Such ridiculous claims may become popular stories, but those who make them have very little chance of receiving compensation to help towards the cost of windshield repair or a new vehicle.
Some drivers have tried to lay the blame for accidents on other parties to any extent possible, such as the claimant who explained: 'Going to work at 7am this morning I drove out of my drive straight into a bus.' They were sure to stress that: 'The bus was 5 minutes early.' Other claims are frankly bizarre and raise the question of how these drivers were ever allowed to pass their tests in the first place, such as the individual who decided: 'When I saw I could not avoid a collision I stepped on the gas and crashed into the other car.'
Fiona Roy writes for a digital marketing agency. This article has been commissioned by a client of said agency. This article is not designed to promote, but should be considered professional content.
