Funniest Insurance Stories Ever Told

The Funniest Insurance Stories Ever Told

Insurance can be boring. Let’s face it, most insurance articles are filled with dry facts, boring statistics and backed up with piles of paperwork that no one not fluent in insurance-ese could even get the gist of. What most people forget is that Darwin and Murphy’s Law have a hand in the insurance claims that get filed every year-and some of these homeowners, drivers and insurance companies sure put the fun in dysfunctional! Here’s a collection of some of the funniest insurance claims stories found on the web:

• A driver claimed they were leaving for work one morning and drove into a school bus parked at the end of their drive. A claim was filed against the bus driver, since the bus was five minutes earlier than they had expected and therefore obviously at fault. (as told by English comedian Jasper Carrott)

• A real insurance claim form stated: “Windshield broke. Cause unknown. Probably Voodoo.” (found at


What were they thinking?


• A woman meeting her husband, a Navy crewman who was coming into port that day, parked at the end of the slip where the submarine was due in to berth. There was an inexperienced ensign at the helm who overshot his landing and hit the end of the slip, breaking a section away and sending the car plunging into the water. Needless to say, those damages were on Uncle Sam! (as told at

• A driver parked by the side of the road was relocated to Oz when a home fell off the back of the truck that was relocating it. Eventually the insurance company paid the claim, but only after confirming with the moving company that the car had, in fact, been totaled by a house(as told by English Comedian Jasper Carrott)

• A homeowner took his insurance claim to small claims court when his homeowners insurance refused to pay a claim caused by a broken washing machine. The homeowner had left the house for the weekend after starting a load of wash and returned to find the machine stuck in boiling cycle and the entire kitchen destroyed by the steam. His homeowners insurance provider  claimed that the house wasn’t protected against steam damage and refused to pay. Their case was laughed out of court when the judge treated them all to a brief chemistry lesson on gases, liquids and the fact that a horse is a horse is a horse-or in this case, H2O is H2O, no matter what form it happens to be in. (as found at

And the (unofficial) Darwin Award for the funniest insurance story ever told goes to: The Lawyer Who Didn’t Pay Enough Attention in Insurance Claims Class

A Charlotte lawyer purchased a box of costly cigars and insured them against flood, storm damage and, of all things, fire. Needless to say, his investment went up in (happily inhaled) smoke within a month, after which the lawyer filed a claim with his homeowners insurance company that he was owed compensation because “the cigars were lost in a series of small fires”. The insurer refused to pay, assuming (correctly) that the man had smoked the pack himself. A judge ruled, however, that since the insurer had never stated what was considered to be “unacceptable” fire the company did, in fact, owe him $15,000 to replace his property.

The insurance company paid the claim, but they got their own back in the end. The lawyer was then arrested, sentenced to 24 months in jail and a $24,000 fine for 24 counts of arson and insurance fraud. (as told at

Ain’t life grand?


By: Clifford F. Berman
Posted on: Apr 10, 2009



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