If You Were an Auto Insurer, Would You Pay?

Question

Worst Insurance Claims Ever

If you were an auto insurer, would you have paid these actual claims?

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

“I didn’t think the speed limit applied after midnight.”

“The car in front hit the pedestrian, but he got up so I hit him again.”

OR:


Source: businessball.com
Link: http://www.rd.com/joke/worst-insurance-claims-ever/

Answer 1

LOL! Probably not since most auto insurers try to get out of paying for claims that are legitimate. 

Comments

Lol - yes, they are very fussy about evidence, responsibilities, expert's assessments, rules and everything, before they pay (if they pay) - and it is not surprising with the high numbers of insurance frauds.

After all, since very long, a certain kind of "insurance business" was also practiced by crime organisations.

Answer 2

Like Mountain Man said : 99% of auto insurers don't want to pay on a claim any way. Something I had many years dealing with but I would love to hear what a claims adjuster would say to those statements ! That would be a total laugh ! LOL   

Comments

Lol - in many cases, but not always.

Yes, it is not easy, as auto insurance, like driving, is a rather risky business, and there is a serious lack of transparence in too many cases. And if we take a look at all the car chases and stunts in detective, road and other action movies - well, there seem to be too many people who are trying to imitate their heroes - of the "fast and furious" kind. If I am a little bit too earnest, I just saw again, lately, the thriller "Duel". It makes you think (or there's food for thought). 

https://en.wikipedia.org/wiki/Duel_(1971_film)

and

https://en.wikipedia.org/wiki/List_of_motor_vehicle_deaths_in_U.S._by_year

Now to some funnier aspects, when there are merely some fender-benders without harm to anybody!

I remember a funny case: I had to stop to avoid an unruly cyclist, and the driver behind me bumped into my rear. When we filled the mutually agreed motor vehicle accident report, we stated that we were both at the same insurance company - imagine the laughs. The case was settled without problem and paid promptly to the repair shops. Here, insurance costs are rather high, but "good risks" are compensated with bonuses.

Actually, the less arranging insurers were/are more in the sickness and health sector, namely those covering collective contracts for employers. 

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I owned a mechanical and auto body repair shop for many years and boy I sure heard some good ones ! 

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Lol - I suppose that auto repair shops are those who "suffer" the most regarding cheap repair prices.