Having to submit a motor insurance claim is never an enjoyable process. In some cases, it can be even more distressing for the insurance company who has to process it. There are some insurance claims that are very unusual. If the circumstances are very odd, it would be difficult for the insurance company to know whether or not to pay out. When you sign up for insurance quotes, you usually do not obtain details on what to do in these situations.
Quite frequently, car insurance companies have to deal with claims involving people fighting. Some are angry lovers, others scorned enemies, but they have all decided to have revenge by damaging their foe’s vehicle. Livid men and women everywhere are taking keys, baseball bats and stones to their enemy’s vehicles, causing expensive damages. Paintwork scratches and even minor dents can cost an exorbitant amount of money to repair. If the insurance company pays out is mostly a stroke of luck. Unfortunately for some, most insurance companies will not pay out in these cases, and if the cost of repairs is fallen upon the people involved in the quarrel.
In a few strange cases, insurance companies have reported having claims filed regarding unusual theft cases. This is when a thief will steal someone’s car then use it as an accomplice in a robbery or hijacking. The car will often be dumped after it has worn out its purpose. Sometimes the vehicle will have been damaged by the thieves, or even purposely smashed. This is a difficult car insurance case, which could sometimes be covered by the theft clause in the policy.
If statistically counted, most insurance cases which are deemed to be unusual would be those involving animals. This is where the car is damaged due to someone hitting an animal, swerving to avoid hitting an animal and then crashing, or even having a rogue animal or insect get inside their vehicle which frightens the driver and causes them to crash. Unfortunately, with only hearsay as proof to these happenings, sometimes the insurance companies will not pay out. If, however, you have a Mother Nature damage clause in your policy, you may be covered for damages to your vehicle if you hit an animal.
These are some very strange car insurance claims, which are certainly not happening on an everyday basis, but can still occur! It is always best to ensure that you understand the full extent of your cover, and if incidents such as the abovementioned ones occur, you have a good deal of savings aside to pay for the repairs to your vehicle.
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