Friday, February 24, 2012

Insurance Claim Gaffs


It’s never nice being involved in any sort of incident which requires you to have to contact your insurer and then having to fill out those horrible claim forms, doesn’t help ease the pain. Your description on the incident report is imperative as the last thing you need is to come across as being negligent.

Listed below are some true life examples of claim form declarations that raised some suspicion:

"I was driving along the motorway when the police pulled me over onto the hard shoulder. Unfortunately I was in the middle lane and there was another car in the way.."

"Going to work at 7am this morning I drove out of my drive straight into a bus. The bus was 5 minutes early.."

"The accident happened because I had one eye on the lorry in front, one eye on the pedestrian and the other on the car behind."

"I started to slow down but the traffic was more stationary than I thought."

Q: Could either driver have done anything to avoid the accident? A: Travelled by bus?

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.

"On approach to the traffic lights the car in front suddenly broke."

"I was going at about 70 or 80 mph when my girlfriend on the pillion reached over and grabbed my testicles so I lost control."

"Windscreen broken. Cause unknown. Probably Voodoo."

"I pulled away from the side of the road, glanced at my mother-in-law and headed over the embankment."

"The other car collided with mine without giving warning of its intention."

"I collided with a stationary truck coming the other way"

"In an attempt to kill a fly, I drove into a telephone pole."

"I had been shopping for plants all day and was on my way home. As I reached an intersection a hedge sprang up obscuring my vision and I did not see the other car."

"I was on my way to the doctor with rear end trouble when my universal joint gave way causing me to have an accident."

"Coming home I drove into the wrong house and collided with a tree I don't have."

"I thought my window was down, but I found it was up when I put my head through it."

"The guy was all over the road. I had to swerve a number of times before I hit him."

"As I approached an intersection a sign suddenly appeared in a place where no stop sign had ever appeared before."

"My car was legally parked as it backed into another vehicle.

"I was sure the old fellow would never make it to the other side of the road when I struck him."

"The pedestrian had no idea which way to run as I ran over him."

"I saw a slow moving, sad faced old gentleman as he bounced off the roof of my car."

"The indirect cause of the accident was a little guy in a small car with a big mouth."

"The telephone pole was approaching. I was attempting to swerve out of the way when I struck the front end."

Ernest Roper
Durban Regional Managers

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