Article - Interesting auto insurance claims

FREE Health Insurance Quotes Enter ZIP code:

 

Interesting and Amusing Car Insurance Claims

Often, when you are forced to file an insurance claim, you are not at all amused by the situation. On the contrary, people finding themselves in the situation of having to file a claim are very nervous, upset and worried about what's going to happen.

However, there are some cases most people find very funny - particularly when the collision did not involve them in any way and they are looking at things from the outside. Whether the insurance company pays off these claims or not is a different question, that does not concern us right now, but all these claims are quite real.

The most common claims car insurance companies are faced with and have to solve, one way or another, are about lovers fights which lead to damage to their vehicles. It may come as a surprise to you, but there are numerous men and women who, in a moment of anger, take hold of a baseball bat, a key or whatever they can think of and they start torturing their former partner's vehicle.

And the damages are sometimes huge, since a simple problem such as paintwork scratched on a car can cost thousands of dollars to fix.

Imagine what a golf club or a baseball bat can do to a car, and especially how much it would take to repair that! unfortunately, insurance companies are sometimes bombarded with such claims, and their representatives have thousands of claims to solve weekly, but even if they are very busy they still need to focus and try to solve every case - that however, does not equal paying damages to all claimsÖ.

The problems occur because the angered partner, as one would think, seldom takes responsibility for the damage brought to the car, so they don't really want to pay for those damages and or the repair works needed by the car.

Basically, if you are one of the many victims of this kind of vandalism, whether or not the insurance company will pay for the damages brought to your car depends entirely on your insurance policy and what the clauses of the policy stipulate.

The most frequent case however is the one where the victim of this act of vandalism has to pay for the damages brought to their own vehicle, or they could consider suing their former lover for the damages caused. However, winning a case in court can sometimes be very problematic as well, depending on numerous factors.

Another interesting claim insurance companies sometimes receive concerns cars that were stolen and used in robberies.

Usually, such cars are left severely damaged after the incident (maybe with its more valuable items stolen as well), and if the car owner does not have an insurance policy containing specific information in their theft clause, then it is possible that they will not be covered by the insurance company.