You Are Reviewing a Computer-generated Insurance Claim Before
When things go incorrect with homes or cars, insurance tin can be the 1 saving grace, but that doesn't mean you lot can count on it to bail you out of absolutely anything. Insurance claims adjusters take heard it all, but some things simply aren't covered. From the mundane to the unbelievable, the job is often like a form of detective work.
Of course, weeding the fraudulent claims out from those that are ridiculous but strangely true at to the lowest degree keeps long days on the job from being dull. Cheers to the commentary of some claims handlers on Reddit, we get to bask some laughs and marvel at the truly bizarre. Relish!
The Instance of the Missing Shed
Probably the strangest claim I always saw was a break-in claim. The homeowners had rented their 500-acre property out to tenants, and included in the lease was a shed full of equipment — tractors, harvesters, work tools, etc. Basically, everything you need to run a subcontract was in that shed.
At the cease of the lease, they took back over the farm and found the shed not only empty merely missing. The physical slab was still in that location, but nothing else was. A claim was lodged, a police report was made and the customer got everything replaced.
Eight months later, the customer went to turn on their tap one day, and no water came out. They went outside, and the pump was working, but information technology was sucking nothing upward, meaning at that place was a blockage somewhere. The customer went through all the motions, the final footstep being to go far the dam with scuba gear to see what was blocking the piping. He found that the tenant had disassembled the shed and put all of information technology, including the contents, into the dam.
~ dannyr
That's I Way to Relieve on Gas
This 1 lady had over 50 towing and labor claims within a six-calendar month period. She would drive until she ran out of gas and then call the tow number. They would come up out and requite her a few gallons of gas.
Then she would drive until she ran out of gas and call the number again. Rinse and repeat. After 6 months, they permanently banned her from using that option.
~ discoveri
The Sneaky Diamond Heist
Around a decade agone, this lady took her ring into a jeweler. One of the claws belongings the stone was bent out, and she wanted to become it repaired. Since the job was modest, the jeweler kept the band overnight, performed the repair and didn't charge the adult female for the job when she came back to pick it up.
Now, dorsum to the present day. The lady takes her ring into a different place to go it valued — and the stone was cubic zirconia. The original jeweler swapped information technology out overnight, didn't charge her then in that location would exist no paper trail and had since closed upwards shop. Of grade, I e'er wondered whether the ring was e'er a diamond.
~ horsehome
"I'm Non Drunk! You're Drunk!"
One of my favorites was an insured guy hit a telephone pole, and when the police arrived, he was arrested for DUI. Co-ordinate to him, that was a BS charge, because he hadn't been drinking before the blow.
You lot run across, after the accident, a skillful Samaritan stopped to run into if he was okay. The insured told this stranger that he was okay, simply he was thirsty. All the stranger had was some beers. So, he gave them to the insured and left. That's why he had alcohol in his system when the cops showed upwards.
~ source
Cats Are Falling from the Sky
I establish my motorcar i morn with a huge paring on the bonnet. Information technology croaky the servo fluid reservoir underneath, so steering didn't piece of work either. I was parked side by side to a 10-story building, and it looked like someone dropped something on it.
I called the cops, and they questioned everyone. It turned out that a resident's fatty cat jumped out the window from the ninth floor and landed on my machine. The poor fella broke a leg, but he survived and ran off.
Now, when I filed a merits at the insurance company, I had to talk to dozens of people considering they wouldn't believe what happened. It didn't really assistance either that the police report had a sketch of the incident on it — a drawing of a falling true cat.
~ botd44
What a Money Pit
There was a couple that had a ton of harm washed to their house by a sinkhole, simply they were claiming a ton of luxury items, such as jewelry, fur coats, etc., were all lost. Here'south the all-time function: They e'er paid for these items in cash, and they ever bought duplicates. It didn't accept the forensic accountant very long to figure that i out.
~ ThoughtRiot1776
Careful What You Post Online
A favorite of mine is a guy who took his giant, customized truck mudding while he was drinking. Against the communication of everyone with him, he drove it into a creek to … well, I'yard not really sure why. His truck got stuck, the water levels rose, so he decided to just report the truck stolen. He didn't think about the fact that in that location were tons of witnesses and that he posted it on his [social media account].
~ seymour__glass
Driven to Distraction
I worked with motorcar claims for a while. When we would get a new claim assigned to us, we would review the file, including a very brief (one to two sentence) description of what happened ("facts of loss"). My cube mate got ane that said: "Insured commuter (our customer) rear-ended claimant (other company's customer) after being distracted by a gentleman practicing his kung fu moves on the sidewalk."
~ Badwater2k
And All of a sudden There Was a Machine on the Roof
A kid was speeding down a residential street while drunk. He loses command and runs upward onto the sidewalk. The style he hit the wall acquired it to partially fall and become a ramp that launched him into a total-on boardslide forth the roof of the firm. It looked like something out of a video game.
~ IveGotaGoldChain
Cell Phones and Woodchippers Don't Mix
A guy came into [electronics store] to get his cell telephone replaced nether the accidental protection. Evidently, he had his phone in his shirt pocket while putting wood into a woodchipper, and it savage out of his pocket and into the machine. He brought in a handbag of sawdust/cell telephone dust.
~ Dat__Username
When Someone Takes Those "Good Neighbor" Commercials a Piffling Too Seriously
We had an older woman who would constantly call our office with the most outlandish requests/claims. She once called and insisted we drive to her business firm to take her to the grocery store while her machine was existence worked on. It got to the point where every time we saw her popular upward on caller ID, y'all could only experience the dread fall over the office.
Non only would she have ridiculous claims, just she would always want to stay on the phone for ages. You would have to promptly tell her, "Alice, I have to become." Sometimes, you'd accept to echo it a few times, but eventually she would permit you lot off.
The most ridiculous story with Alice was when she called to report her motorcar keys were stolen. Her car was however outside her house, but she insisted the gardener broke in and stole the keys. It was a huge ordeal in which nosotros paid to have her car towed, in hopes of getting a new primal made for her.
However, she didn't recall where she had it towed, and we had to phone call all over town to rails information technology down. Finally, afterwards we found the car as nosotros are nearing the finish of the day, she called to say SHE FOUND THE KEYS Under THE BED! She claimed that he (the gardener) must have put them back.
~ im_reddit_famous
Breaking Up a Fraud Ring
I had a claim that reported a family of seven was struck past a hit and run driver. This particular state didn't require the responsible political party to be identified for the insurance carrier to provide uninsured motorists actual injury (UMBI) coverage.
I got statements from the husband/father and wife/mother merely no statements from the five children because they were all nether 10. There was a witness too, a proficient Samaritan who stopped and provided her info, and then I got her statement. All the statements were consistent. The hubby and wife deny ever being in a prior merits, and both the husband/married woman and the witness deny knowing each other prior to the accident.
Equally a good adjuster, I ran an ISO on all parties, and I got pages of matches. It turned out the husband and wife were making a living off of phantom vehicle claims by filing UMBI and med pay claims for themselves and all v children on a roughly four-month cycle. The witness in the claim I was treatment was a passenger in their vehicle in a loss most viii months prior.
They had at least five prior claims, each with different carriers (all big ones) prior to landing on my desk (a smaller, regional, high-gamble carrier). None of those other carriers bothered to check ISO, even though they all ran them through it.
So, I called the husband back, armed with my incredible bounty of knowledge, and had him repeat his argument, slowly this time. I also questioned him a little deeper on things I knew to be lies, like not knowing the witness prior, and lulled him into a sense of security before bravado him up with his prior merits history and my company's decision to refer him to the NICB and contact the other carriers on his ISO letting them know nigh his fraud and staged accidents. The silence on the other end was magical.
~ pdhot65ton
When It Rains It Pours — or Something Like That
I don't work in insurance claims, simply I think my insurance company had a "you've got to exist kidding me" moment before this year. I live on acreage, and our property now has two normal houses on information technology. Earlier in the yr, we had just finished building our 2nd business firm when nosotros had a fire in it. It was a make new house, which we hadn't fifty-fifty moved into still, only filled with piece of furniture and appliances. The toaster caught fire after the lever had been held downwards past the appliance closet door, and it set the kitchen on fire.
Cue a $200,000 insurance claim from smoke damage through the unabridged business firm, replacing wooden floors from water and fire damage, repainting the whole house, replacing all the kitchen appliances, etc. About two weeks earlier the house that caught fire had the repairs finished, the older existing house flooded. A pipe burst in the bathroom, emptying the contents of the house's water tank into the house while anybody was at piece of work. Everything was water damaged.
You lot could almost hear the disbelief in my broker's voice when I phoned her to let her know my other house was at present ruined.
~ tequilamockingbird92
The Downside of Traveling with Everything but the Kitchen Sink
We had a claim for theft outside of a home. The lady said she takes her jewelry everywhere she goes to avoid theft — all $20,000 of it. So, she lodged a merits for theft after she had taken the jewelry and left it in her car while she was at a friend's party. She parked the car 3 blocks away in a park and "left" the window downwardly. As well stolen were 2 iPads, ii cameras, 2 iPods and a handbag, which she "didn't experience similar bringing into the political party." Uh-huh.
~ Sharksarescary
Welcome to the Snake House
Grandpa worked as a claims adjustor for a fairly well-known company for years. One of the stories I can remember him telling was that shortly after Hurricane Camille, he and a few co-workers went down to Alabama every bit back up.
He said that he didn't really know what to expect other than wind and water impairment, and so that was all that he expected. The supervisor handed him a shotgun and steel-toe boots equally soon as he got to the site and told him that he "ain't expected, asked or wanted in any place offset."
They moved from business firm to firm in teams, and there was a sort of point-human being that entered first. Grandpa got the surprise of his life when he walked in the kitchen in one house, and there was a rattlesnake on the counter.
~ blitzenkid
Someone Watched The Borrowers Ane Too Many Times
My coworker had a claim for theft considering fiddling people were living in the claimant's attic and had a pulley arrangement in her ventilation system. They were coming down through her vents and stealing things similar burned down candles, adult diapers, coupons, etc. and hoarding them in her cranium. She wouldn't become in her attic because even though these people were small enough to fit in her vents, she was scared they would attack her.
~ westside*****
What a Considerate Thief
When I worked auto claims, I had this lovely older lady brand a merits that one of her span partners — another older lady — was jealous of her new tires and had her son steal the tires from her car.
The crazy part was that she claimed the lady's son replaced her new tires with an older version of the same exact tire. And so, someone stole your tires and replaced them with the aforementioned exact tires?
~ dnedad585
The Attack of the Turkey
I had a man call last year almost a month before Thanksgiving. A turkey had jumped through their pic window. He was laughing, just I could hear his wife in the groundwork crying and the police. Their dog had then fought the turkey, breaking a chandelier, China and the table, and there was blood all over. The domestic dog was fine, merely boy was it a mess. It was a shame the turkey didn't await until Thanksgiving.
~ redorangeblue
When Insurance Fraud Doesn't Quite Pan Out as Expected
I got a quote on a customer'southward cars, an Audi Q7 and a V8 sport utility vehicle that were both vandalized. Both had all the interiors cut up, silverish spray pigment all over the dash, broken drinking glass and torn roof lining. The story was that he and his wife had slept in until x a.grand., and when they woke up and went out to the cars — shock and horror! The cars were both locked, in that location were no signs of forced entry and keys to both cars were inside.
We did the quote on the cars, the Q7 was touching 30 thousand, and the Ute was about 10. The guy wanted the cars written off, non repaired. Nosotros found out that both cars had been offered for sale on the net on several sites and hadn't sold.
Long story short, the constabulary and insurance couldn't evidence annihilation, simply anybody involved was extremely suspicious, only they couldn't nail it. We have seen more than than enough vandalized cars to know this was just off. It looked like whoever had painted and slashed the cars up simply didn't have their heart in it. In one case you've seen a couple of hundred vandalized cars, you tin just tell.
We stock-still the cars, and the Q7 concluded up hit nearly $40,000 in parts with all the extras. Three months later, this guy gets his ii cars back with all new leather interiors, new dashes, new electronics, new paint and is dorsum at square i — sell the cars.
~ Hetstaine
Does This Policy Comprehend Damages from Mythical Creatures?
My favorite story was the one about a adult female who tried to claim bounty after existence "attacked past a vampire." This Miss-Havisham-looking woman really sent in a video testimonial in which she sat and described, in a sonorous, mystical sort of voice, how "he enveloped me in his bat-like wings." Okay, and then.
~ TheBlackWomb
You Accept to Adore the Hustle
A customer came in with a 4-door Cadillac sedan complaining that he striking "a" pothole and bent all four rims. The rims on the auto were fine, and he told me, "No, it'southward the ones in the backseat. I had them on at the time and had to put the original ones back on."
The ones in the backseat were 22-inch Denali wheels that wouldn't have fit. Even better, at that place were merely ii, and I was told that the other ii were thrown abroad, and he would settle for an even $thou.
~ oursaviorjoe
Never Underestimate the Power of the Current of air
I was the source of a kind of foreign merits. Nosotros had bought a big above-ground pool and were going to install it ourselves because the installers wanted $900. This thing was 26 feet across and had a 4-foot high steel wall. The wall weighed more 300 pounds. Information technology took me, my kids and ane son-in-law to get it properly set up. We decided to fill it the next morning because information technology was getting late.
That night, a freak windstorm picked upwards the pool wall and wrapped it around i of our neighbor's trees 310 feet away (I measured) without touching the grass in betwixt. The insurance guy came out and asked where the puddle was. My wife just pointed beyond the yard at the tree. He said "Okay, and so" and left. We got a check a couple of days after. As a bonus, they paid to take information technology installed since it was installed when it was destroyed, which is kind of cool.
~ Wadsworth_McStumpy
The Horrors of Hoarders
In Maryland, a customer had a pipe suspension due to freezing. It turned out he was too a hoarder. He had let the h2o flow in his basement for a day before turning it off. He did cypher to clean information technology upwardly, and it took a few weeks to go out and run across him considering he wouldn't return my calls.
When I got there, I had to step around a dried upwards pile of puke merely to get in the firm. Once inside, the smell was terrible. There were cans of food that had rusted out and had rotting contents spilling out. Boxes and boxes of books and papers had been soaking in filthy h2o, and there were piles of dingy clothes. I got out of there as fast as I could.
~ MountainGoat84
Should Probably Piece of work on That Aim
An employee of one of our clients saw a magpie flying past and thought it would be funny to hit it with something, so he threw one-half of his sandwich at information technology. In the process of doing this, he caught his hand on the flashing on the roof of the smoking hut adjacent to him. It was apparently his employers' fault, according to his solicitors.
~ Source
Well That Escalated Quickly
A worker's bounty claimant alleged that while she was removing cutlery from the cutlery basket of a dishwasher, she managed to grab her finger for a moment in the basket. This "incident" led to the development of a wrist injury, neurological pain and numbness in the arm, subsequent dorsum hurting, post-traumatic stress disorder, agoraphobia and loss of social skills. She hasn't worked for 4 years and has cost her previous employer millions.
~ wheelo007
The Irony of Timing
When I was in college, I called upwardly to kickoff the insurance on my motorcycle. The lady told me the premium was like $291 for the year, merely I couldn't pay monthly unless information technology was $300. So, I asked how I could only brand information technology $300. She said to add theft coverage, which was like $12, and then I did.
Well, it gets stolen five days after from in front of my apartment. They totally idea I was scamming them. I had to do some sort of a financial interview where they wanted to know about all my debt and whatnot. I had to send in all of my bank business relationship statements and credit card statements. Eventually, they approved it.
The funny thing is they plant the bike after a couple of weeks because some nineteen-year-old was trying to chop it in his parents' backyard, and the dad called the cops. The insurance company tried to convince me to let them reassemble it — the child had it down to the point where he was selling individual engine parts and starting to sand the body — only I was having none of that. They paid me to replace it.
~ Nurum
There Is a Reason for Security Officers
One solar day, an unsatisfied client came to the house with an auto bumper in his hands. He entered through the front end doors and threw the bumper at the information desk. Security guys were shocked and didn't say or do anything.
He yelled in the building for v to 10 minutes and wanted to speak with the claims department manager. The security guys didn't let him laissez passer through the confined. He yelled for some other five or 10 minutes then stormed out.
~ fasarya
He'due south Non Even Dead Yet
My mom worked in insurance for years and has all sorts of stories. A typical story she would tell would be along the lines of: Client – "I want to start the procedure of cashing in my father's life insurance." Mom – "Okay, can you lot tell me when your father passed abroad?" Client – "He hasn't yet, just the doctor simply told us he probably won't last the dark, and then I may as well get started."
She had loads of stories like this, from the recipient of the claim asking about payout while the person was in for routine surgery to the insured dying just a few minutes earlier. Some people called even if there was goose egg wrong with the insured, just to inquire about the way the person has to die for the policy to pay out.
~ FriendlyManCub
Paranormal Activity Is Covered, Right?
We had someone merits a poltergeist had destroyed their furniture. I had to inform them that supernatural occurrences are non covered past the policy. Bummer.
~ oliconner
Source: https://www.faqtoids.com/finance/insurance-claims-stranger-than-fiction?utm_content=params%3Ao%3D740006%26ad%3DdirN%26qo%3DserpIndex
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