Funny Insurance Claims

Funny Insurance Claims

Funny Insurance Claims can really make you laugh!


Combine the natural instinct to pass the buck with the inability of some people to give a clear explanation and you have some really funny car accident reports.


I've sprinkled a few of my favorites throughout this page for your enjoyment. I hope they'll tickle your funny bone as much as they did mine.


If you know of a funny car accident story, add it to our collection!

"I had been shopping for plants all day and was on
my way home. As I reached an intersection, a hedge
sprung up, obscuring my vision."


I would imagine that working in an insurance office could be a bit boring and methodical at times. I can just picture the agents relieving some of that boredom by sharing some of the more hilarious explanations that people have written when trying to relate "what happened."

"No one was to blame for the accident, but it never would have happened if the other driver had been alert."


There really isn't anything funny about a car accident. It can be painful, tragic, devastating, frustrating, annoying, inconvenient or any combination of the above. But, it usually isn't funny.

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


Strangely, though, as humans we can sometimes find humor in the harshness of our lives. I like to think it is a little relief valve that the Lord has implanted in us to enable us to cope.

"The telephone pole was approaching fast.  I was attempting to swerve out of its path when it struck my front end."


Please don't take offense at any of the humorous car insurance claim reports. They aren't meant to offend, but to act as a dose of laughter, well known as 'the best medicine.'

"As I approached the intersection, a stop sign suddenly appeared in a place where no stop sign had ever appeared before. I was unable to stop in time to avoid the accident."


I live on the other side of the world from my mother. I love finding humorous things to read to her over the phone. We get to giggling and laughing so hard we can barely breathe. It's good for the both of us.


I hope you'll enjoy these hilariously funny insurance claims as much as we did.

"I was unable to stop in time, and my car crashed
into the other vehicle. The driver and passengers then left immediately for a vacation with injuries."


If you've had an unusual accident claim or know of a funny story relating to an auto insurance claim, tell us about it. We'd all like to share in the smiles. Add it by using the form below.

Safe driving!

Have A Funny Insurance Claim Story?

If you've had to place a car insurance claim for some unusual accident or event, tell us about it.

Maybe you're an insurance agent and would like to share some of the outrageous office laughs. We are all ears!

Truth is generally stranger than fiction, so go ahead and surprise us and give us a good grin!

What Other Visitors Have Said

Click the links below to see the funny insurance claims that others have added to the site...

Animals Are Out To Get Me! 
I might hold the record for the most claims caused by animals. The first was when I was sitting at a red light and a Great Dane ran into me. He ran …

Lucky Time To Have An Accident 
Is there a lucky time to have an accident? It was a cold and stormy night... :) The car behind me was tailgating. The car in front of me …

Not So Funny Car Insurance Claim 
(This event can be considered a funny car insurance claim, but for the car owner, it probably wasn't so funny at all.) I was with the Phoenix Fire …

Exploding Whale Insurance Claim 
I work in government and one of the more outrageous government blunders from past decades is the case of the exploding whale. It was ages ago but …

She Who Laughs Last... 
Okay, so the insurance claim itself is not so funny but I did end up the last one laughing! I was rear-ended on my way home from work. It was a pretty …

Dangers Of Laughing And Driving 
I was a passenger in a friend's car and I cracked a joke. A few seconds later, we were both laughing so much that my friend couldn't breathe anymore …

What Brakes?! 
Newly licensed, I had borrowed my Dad's car for the night. Not wanting to disturb them when I came home, I turned off the engine as I coasted down our …

Car And House Claim 
This is a really funny story that happened to a colleague of mine who had to file a car and house claim at the same time for a single incident. I …

A Turtle In The Road 
I heard about this funny insurance claim from a co-worker. This is really true... A Tractor-Trailer driver saw a turtle in the middle of the road. …

Car Destroyed By Elephants 
I know this funny car accident claim sounds like something out of a movie or a story a little kid said... but it is true and yes, the insurance paid. …

Large Animal? 
Two funny insurance claims in one! First of all, my husband completely totaled my car when he hit a horse that was standing in the road. …

Smelly Car Insurance Claim 
This happened to a client of mine while I was working at an agency in Florida. She had had this company for only a couple of years, and had put …

Too Young To Drive 
At the age of 15 I was eager to begin driving my parents car. Of course they were skeptical but let me practice backing in and out of the driveway from …

The Mental Patient 
I saw this one when I was working at a car insurance company. A patient had escaped from a mental hospital and was running across a nearby highway - naked. …

Little Mermaid Gone Wrong 
When I was just a young lad, about four years old, I was playing Little Mermaid in my dad's yellow truck. I was trying to re-enact the scene where …

A House Hit My Car 
A house hit my car - an unusually bizarre and funny insurance claim! Yes, once a house did hit my car! It took me 3 weeks of explaining it to my …

A Turkey for Thanksgiving 
My mom was rushing out to the store the day before Thanksgiving to get a couple of last minute items for the big dinner. As she was driving up a …

Who Pays The Bill? 
Who Pays The Bill On This Funny Insurance Claim? As a paramedic, I was standing on the side on the road of a minor accident. One of the vehicle …

Cow vs Car Funny Insurance Claim 
This was a really funny insurance claim starring a cow vs. a car! A woman was driving down a country road and, according to her, a cow FELL on top …

A Funny Insurance Claim I'll Never Forget 
This is a funny insurance claim that I'll never forget! I began my career in the insurance industry shortly after high school. Initially, I began …

A Helpful Lady 
I heard this funny car accident story years ago: The man telling the story was unable to start his car and was looking under the hood, when a lady …

The Steer and the Steering Wheel 
Here's a funny insurance claim titled, "The Steer and the Steering Wheel." Across this great land of America, animals and cars occasionally come together. …

Suicide Of A Tenessee Deer 
I suppose this isn't an overly 'funny' insurance claim story, but it was certainly an unusual experience. We were driving to Knoxville this summer …

Car Wash Funny Insurance Claim 
This is an actual true story, and yes, the insurance company did pay the claim. A good friend of mine drove her week-old new car through a car …

Click here to write your own.


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