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Car Insurance Claims: 15 of the Most Bizarre Excuses Ever Filed

Real (and really odd) excuses about car accidents made for insurance claims.

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Bizarre car insurance claimsPhoto: ShutterStock

Power Steering Problems

“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.”

Blame in In-laws

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

My Dog Was Driving

“I knew the dog was possessive about the car, but I would not have asked her to drive it if I thought there was any risk.”

(Check out the *real* reason dogs always stick their heads out of car windows!)

Seeing Is Believing

“I thought my window was down but I found it was up when I put my head through it.”

No Warning

“The other car collided with mine without giving me warning of its intention.”

Gotta Protect the Bumper

“To avoid hitting the bumper of the car in front I struck a pedestrian.”

Old Age

“I was sure the old fellow would never make it to the other side of the road when I struck him.”

The Bus Was Early!

“Going to work at 7:00 this morning I drove out of my driveway straight into a bus. The bus was five minutes early.”

Here are the 7 Reasons Your Car Insurance Claim Could be Denied!

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Bad park jobPhoto: ShutterStock

But I Was Legally Parked!

“My car was legally parked as it backed into another vehicle.”

So That’s Why My Head Hurt

“I told the police that I was not injured, but on removing my hat I found that I had a fractured skull.”

Anything Goes After Midnight

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

Blame the Evil Spirits

Windshield broken. Cause unknown. Probably voodoo.”

Terrible Traffic

“I started to slow down, but the traffic was more stationary than I thought.”

Blame the Humans

“I bumped into a lamppost which was obscured by human beings.”

Shoulda Had More Coffee

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

Thought these folks were bad drivers? Check out That’s Outrageous: 3 More Weird Stories from Behind the Wheel!

For more fun and fascinating facts, check out the latest Uncle John’s Bathroom Reader titles at

Reader's Digest
Originally Published on Reader's Digest