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Funniest Car Insurance Claims

Employees in the claims departments of major car insurance companies have the privilege of deciphering the descriptions written on claim forms by policyholders. While 99 percent of auto insurance claim statements are informative, the other one percent makes great entertainment for everyone who has the chance to read them. The people who filed these claims are likely going to need a new car insurance policy. To find multiple, cheap car insurance quotes for FREE enter your ZIP code in our car insurance comparison tool.

Run-Over Stop Sign

Stationary Objects

The most embarrassing kind of accident is when a driver hits a stationary object. The people who filed these claims try to explain how they made this embarrassing mistake.

  • Coming home I drove into the wrong house and collided with a tree I don’t have.
  • The telephone pole was approaching fast. I was attempting to swerve out of its path when it struck my front end.


Not even animals are safe from accidents. Here are a few funny explanations for car accidents involving animals.

  • Cow wandered into my car. I was afterwards informed that the cow was half-witted.
  • A bull was standing near and a fly must have tickled him because he gored my car.
  • First car stopped suddenly, second car hit first car and a haggis ran into the rear of second car.
  • 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.


Walking on the sidewalk and crossing the street is no longer safe because of these drivers.

  • I was sure the old fellow would never make it to the other side of the road when I struck him.
  • The guy was all over the road. I had to swerve a number of times before I hit him.
  • To avoid hitting the bumper of the car in front I struck a pedestrian.
  • The gentleman behind me struck me on the backside. He then went to rest in a bush with just his rear end showing.

Confused by Accident

Other Vehicles

I think it’s safe to say that these drivers will not qualify for the safe driver auto insurance discounts.

  • 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.
  • 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 occurred when I was attempting to bring my car out of a skid by steering it into the other vehicle.


 I’m confused as to how these drivers passed their license test. 

  • I bumped into a lamp-post which was obscured by human beings.
  • As I approached an intersection a sign suddenly appeared in a place where no stop sign had ever appeared before.
  • I had been learning to drive with power steering. I turned the wheel to what I thought was enough and found myself in a different direction going the opposite way.
  • When I saw I could not avoid a collision I stepped on the gas and crashed into the other car.
  • I blew my horn but it would not work as it was stolen.


Car accident injuries can be very serious but these statements put a humorous spin on those injuries.

  • I thought my window was down, but I found it was up when I put my head through it.
  • I bumped into a shop window and sustained injuries to my wife.
  • I can’t give details of the accident as I was somewhat concussed at the time.


It’s always the other driver’s fault in every accident and it is no different in these car insurance claims.

  • Car Insurance AdjusterNo one was to blame for the accident, but it would never have happened if the other driver had been alert.
  • The other car collided with mine without giving warning of its intention.
  • I was on my way to the doctor’s with rearend trouble when my universal joint gave way, causing me to have an accident.
  • An invisible car came out of nowhere, struck my vehicle and vanished.
  • The indirect cause of this accident was a little guy in a small car with a big mouth.
  • I am responsible for the accident as I was miles away at the time.
  • I consider that neither vehicle was to blame but if either were to blame it was the other one.
  • I told the other idiot what he was and went on.
  • Ice on the road applied brakes causing skid.
  • In an attempt to kill a fly, I drove into a telephone pole.
  • On approach to the traffic lights the car in front suddenly broke.


  • I left my car unattended for a minute, and whether by accident or design it ran away.

Final Word

Get the best car insurance to protect yourself from bad drivers on the road. While these stories make the reader laugh, there is an underlying truth here. Drivers believe that their claims will be denied because what actually happened was so ridiculous. Insurance is an expensive, but necessary, cost of driving a car. People want to make certain that their claims are paid by the insurer. Every insurance company receives crazy stories like this, and they enjoy reading them just as much as the rest of us do. Compare car insurance rates for FREE by entering your ZIP code in our car insurance rate comparison tool.

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