Which of the Following Actions Should Be Taken First When Reviewing Delinquent Insurance Claim a
When things become wrong with homes or cars, insurance can be the one saving grace, but that doesn't mean you can count on information technology to bail you out of absolutely annihilation. Insurance claims adjusters have heard it all, simply some things just aren't covered. From the mundane to the unbelievable, the job is oft like a form of detective piece of work.
Of course, weeding the fraudulent claims out from those that are ridiculous simply strangely true at least keeps long days on the chore from being dull. Thank you to the commentary of some claims handlers on Reddit, nosotros get to savor some laughs and marvel at the truly bizarre. Enjoy!
The Case of the Missing Shed
Probably the strangest claim I ever saw was a break-in claim. The homeowners had rented their 500-acre property out to tenants, and included in the lease was a shed total of equipment — tractors, harvesters, work tools, etc. Basically, everything you demand to run a farm was in that shed.
At the cease of the lease, they took dorsum over the farm and found the shed not only empty but missing. The concrete slab was still there, but cipher else was. A claim was lodged, a police report was made and the customer got everything replaced.
Eight months later on, the customer went to turn on their tap one day, and no water came out. They went outside, and the pump was working, but it was sucking nothing up, pregnant there was a blockage somewhere. The customer went through all the motions, the terminal footstep being to get in the dam with scuba gear to see what was blocking the pipe. He found that the tenant had disassembled the shed and put all of information technology, including the contents, into the dam.
~ dannyr
That'due south One Mode to Save on Gas
This one lady had over fifty towing and labor claims within a vi-month period. She would bulldoze until she ran out of gas and so phone call the tow number. They would come out and requite her a few gallons of gas.
Then she would drive until she ran out of gas and telephone call the number over again. Rinse and repeat. Later half-dozen months, they permanently banned her from using that option.
~ discoveri
The Sneaky Diamond Heist
Around a decade ago, this lady took her ring into a jeweler. One of the claws property the stone was bent out, and she wanted to become information technology repaired. Since the job was small-scale, the jeweler kept the band overnight, performed the repair and didn't charge the adult female for the job when she came dorsum to choice information technology upward.
Now, back to the present 24-hour interval. The lady takes her ring into a different place to get information technology valued — and the rock was cubic zirconia. The original jeweler swapped it out overnight, didn't charge her so at that place would be no paper trail and had since airtight up store. Of course, I always wondered whether the ring was ever a diamond.
~ horsehome
"I'1000 Not Drunk! You're Boozer!"
One of my favorites was an insured guy hit a phone pole, and when the police arrived, he was arrested for DUI. According to him, that was a BS charge, because he hadn't been drinking earlier the blow.
Yous see, after the accident, a proficient Samaritan stopped to see if he was okay. The insured told this stranger that he was okay, just he was thirsty. All the stranger had was some beers. So, he gave them to the insured and left. That'due south why he had alcohol in his system when the cops showed up.
~ source
Cats Are Falling from the Sky
I establish my car 1 forenoon with a huge dent on the bonnet. Information technology cracked the servo fluid reservoir underneath, so steering didn't work either. I was parked side by side to a 10-story edifice, and information technology looked similar someone dropped something on it.
I called the cops, and they questioned everyone. Information technology turned out that a resident's fatty cat jumped out the window from the ninth floor and landed on my auto. The poor fella broke a leg, just he survived and ran off.
Now, when I filed a claim at the insurance visitor, I had to talk to dozens of people because they wouldn't believe what happened. Information technology didn't really help either that the police report had a sketch of the incident on it — a drawing of a falling true cat.
~ botd44
What a Coin Pit
At that place was a couple that had a ton of damage washed to their house by a sinkhole, but they were challenge a ton of luxury items, such as jewelry, fur coats, etc., were all lost. Hither's the best function: They ever paid for these items in cash, and they ever bought duplicates. It didn't accept the forensic auditor very long to figure that one out.
~ ThoughtRiot1776
Careful What Yous Post Online
A favorite of mine is a guy who took his giant, customized truck mudding while he was drinking. Against the advice of anybody with him, he collection information technology into a creek to … well, I'one thousand not really certain why. His truck got stuck, the water levels rose, then he decided to simply written report the truck stolen. He didn't think well-nigh the fact that there were tons of witnesses and that he posted it on his [social media account].
~ seymour__glass
Driven to Distraction
I worked with motorcar claims for a while. When we would get a new claim assigned to us, nosotros would review the file, including a very brief (one to 2 sentence) description of what happened ("facts of loss"). My cube mate got one that said: "Insured commuter (our client) rear-ended claimant (other visitor's customer) afterward beingness distracted by a gentleman practicing his kung fu moves on the sidewalk."
~ Badwater2k
And Of a sudden There Was a Car on the Roof
A kid was speeding downwardly a residential street while drunk. He loses control and runs upward onto the sidewalk. The way he hit the wall caused it to partially fall and become a ramp that launched him into a total-on boardslide along the roof of the house. It looked like something out of a video game.
~ IveGotaGoldChain
Cell Phones and Woodchippers Don't Mix
A guy came into [electronics store] to go his jail cell phone replaced under the accidental protection. Apparently, he had his telephone in his shirt pocket while putting wood into a woodchipper, and information technology fell out of his pocket and into the machine. He brought in a purse of sawdust/cell phone grit.
~ Dat__Username
When Someone Takes Those "Good Neighbor" Commercials a Little Too Seriously
We had an older adult female who would constantly call our office with the most outlandish requests/claims. She one time chosen and insisted we bulldoze to her house to take her to the grocery store while her car was being worked on. Information technology got to the betoken where every time we saw her pop upward on caller ID, yous could but feel the dread fall over the office.
Non only would she have ridiculous claims, but she would always want to stay on the phone for ages. You would have to promptly tell her, "Alice, I have to become." Sometimes, you lot'd have to echo it a few times, but eventually she would allow you off.
The almost ridiculous story with Alice was when she called to study her car keys were stolen. Her machine was all the same exterior her house, but she insisted the gardener bankrupt in and stole the keys. It was a huge ordeal in which we paid to have her car towed, in hopes of getting a new key made for her.
Yet, she didn't remember where she had it towed, and we had to call all over town to track it downward. Finally, after nosotros found the car equally nosotros are nearing the cease of the solar day, she called to say SHE FOUND THE KEYS UNDER THE BED! She claimed that he (the gardener) must have put them back.
~ im_reddit_famous
Breaking Upward a Fraud Ring
I had a merits that reported a family of seven was struck by a striking and run driver. This particular state didn't require the responsible party to be identified for the insurance carrier to provide uninsured motorists bodily injury (UMBI) coverage.
I got statements from the hubby/male parent and married woman/mother but no statements from the five children because they were all under 10. There was a witness equally well, a adept Samaritan who stopped and provided her info, so I got her statement. All the statements were consistent. The husband and married woman deny ever being in a prior claim, and both the married man/wife and the witness deny knowing each other prior to the blow.
Every bit a skilful adjuster, I ran an ISO on all parties, and I got pages of matches. It turned out the married man and wife were making a living off of phantom vehicle claims by filing UMBI and med pay claims for themselves and all five children on a roughly four-month cycle. The witness in the claim I was treatment was a passenger in their vehicle in a loss about eight months prior.
They had at least five prior claims, each with different carriers (all big ones) prior to landing on my desk-bound (a smaller, regional, high-risk carrier). None of those other carriers bothered to cheque ISO, even though they all ran them through it.
So, I chosen the husband back, armed with my incredible compensation of knowledge, and had him echo his statement, slowly this time. I also questioned him a little deeper on things I knew to be lies, like not knowing the witness prior, and lulled him into a sense of security before blowing him up with his prior claim history and my company's decision to refer him to the NICB and contact the other carriers on his ISO letting them know nearly his fraud and staged accidents. The silence on the other stop was magical.
~ pdhot65ton
When Information technology Rains It Pours — or Something Like That
I don't work in insurance claims, but I recall my insurance company had a "you've got to be kidding me" moment before this year. I alive on acreage, and our belongings now has ii normal houses on it. Before in the year, we had just finished edifice our 2nd house when nosotros had a burn in information technology. It was a brand new house, which nosotros hadn't even moved into nonetheless, simply filled with furniture and appliances. The toaster defenseless fire after the lever had been held down by the appliance cupboard door, and it set the kitchen on fire.
Cue a $200,000 insurance claim from fume damage through the entire house, replacing wooden floors from water and burn down damage, repainting the whole house, replacing all the kitchen appliances, etc. Well-nigh two weeks earlier the house that caught fire had the repairs finished, the older existing house flooded. A pipe outburst in the bathroom, elimination the contents of the business firm'due south water tank into the house while everyone was at piece of work. Everything was h2o damaged.
You could well-nigh hear the disbelief in my broker's voice when I phoned her to allow her know my other house was at present ruined.
~ tequilamockingbird92
The Downside of Traveling with Everything but the Kitchen Sink
We had a merits for theft outside of a dwelling. The lady said she takes her jewelry everywhere she goes to avoid theft — all $20,000 of information technology. So, she lodged a merits for theft after she had taken the jewelry and left it in her car while she was at a friend's party. She parked the motorcar 3 blocks away in a park and "left" the window down. Also stolen were 2 iPads, 2 cameras, 2 iPods and a handbag, which she "didn't experience like bringing into the party." Uh-huh.
~ Sharksarescary
Welcome to the Snake House
Gramps worked every bit a claims adjustor for a fairly well-known company for years. One of the stories I tin can remember him telling was that shortly after Hurricane Camille, he and a few co-workers went downwards to Alabama as dorsum up.
He said that he didn't actually know what to expect other than wind and water damage, so that was all that he expected. The supervisor handed him a shotgun and steel-toe boots equally shortly as he got to the site and told him that he "ain't expected, asked or wanted in any place start."
They moved from house to house in teams, and there was a sort of point-man that entered first. Grandpa got the surprise of his life when he walked in the kitchen in one business firm, and there was a rattlesnake on the counter.
~ blitzenkid
Someone Watched The Borrowers 1 Besides Many Times
My coworker had a claim for theft considering little people were living in the claimant's attic and had a pulley system in her ventilation system. They were coming down through her vents and stealing things similar burned down candles, adult diapers, coupons, etc. and hoarding them in her attic. She wouldn't go in her attic considering even though these people were minor enough to fit in her vents, she was scared they would assault her.
~ westside*****
What a Considerate Thief
When I worked automobile claims, I had this lovely older lady make a claim that one of her bridge partners — another older lady — was jealous of her new tires and had her son steal the tires from her machine.
The crazy function was that she claimed the lady's son replaced her new tires with an older version of the same exact tire. Then, someone stole your tires and replaced them with the same verbal tires?
~ dnedad585
The Attack of the Turkey
I had a man call final year nigh a month before Thanksgiving. A turkey had jumped through their film window. He was laughing, but I could hear his married woman in the background crying and the law. Their canis familiaris had then fought the turkey, breaking a chandelier, Red china and the table, and there was blood all over. The dog was fine, merely boy was it a mess. It was a shame the turkey didn't expect until Thanksgiving.
~ redorangeblue
When Insurance Fraud Doesn't Quite Pan Out equally Expected
I got a quote on a customer's cars, an Audi Q7 and a V8 sport utility vehicle that were both vandalized. Both had all the interiors cut upward, silverish spray paint all over the dash, broken glass and torn roof lining. The story was that he and his wife had slept in until x a.m., and when they woke up and went out to the cars — shock and horror! The cars were both locked, there were no signs of forced entry and keys to both cars were inside.
Nosotros did the quote on the cars, the Q7 was touching 30 grand, and the Ute was nearly x. The guy wanted the cars written off, not repaired. Nosotros found out that both cars had been offered for sale on the internet on several sites and hadn't sold.
Long story short, the police and insurance couldn't prove annihilation, only everyone involved was extremely suspicious, but they couldn't nail it. We have seen more enough vandalized cars to know this was only off. It looked similar whoever had painted and slashed the cars up only didn't accept their center in information technology. Once you've seen a couple of hundred vandalized cars, you lot can only tell.
We fixed the cars, and the Q7 ended upward hit nearly $twoscore,000 in parts with all the extras. Three months later on, this guy gets his ii cars back with all new leather interiors, new dashes, new electronics, new paint and is back at foursquare one — sell the cars.
~ Hetstaine
Does This Policy Cover Damages from Mythical Creatures?
My favorite story was the i about a adult female who tried to claim compensation afterwards existence "attacked by a vampire." This Miss-Havisham-looking adult female actually sent in a video testimonial in which she sat and described, in a sonorous, mystical sort of phonation, how "he enveloped me in his bat-like wings." Okay, then.
~ TheBlackWomb
You lot Have to Adore the Hustle
A customer came in with a four-door Cadillac sedan complaining that he hit "a" pothole and bent all four rims. The rims on the car were fine, and he told me, "No, it's the ones in the backseat. I had them on at the time and had to put the original ones dorsum on."
The ones in the backseat were 22-inch Denali wheels that wouldn't have fit. Even meliorate, there were just ii, and I was told that the other two were thrown away, and he would settle for an fifty-fifty $1000.
~ oursaviorjoe
Never Underestimate the Power of the Air current
I was the source of a kind of strange claim. Nosotros had bought a big to a higher place-ground pool and were going to install it ourselves because the installers wanted $900. This thing was 26 anxiety across and had a iv-foot high steel wall. The wall weighed more than than 300 pounds. It took me, my kids and one son-in-law to become information technology properly prepare. We decided to make full information technology the next forenoon because it was getting tardily.
That nighttime, a freak windstorm picked upwards the puddle wall and wrapped information technology effectually one of our neighbor's trees 310 feet abroad (I measured) without touching the grass in between. The insurance guy came out and asked where the pool was. My wife just pointed beyond the thousand at the tree. He said "Okay, then" and left. Nosotros got a check a couple of days later. As a bonus, they paid to accept it installed since it was installed when it was destroyed, which is kind of absurd.
~ Wadsworth_McStumpy
The Horrors of Hoarders
In Maryland, a client had a piping break due to freezing. It turned out he was also a hoarder. He had let the water flow in his basement for a twenty-four hour period earlier turning information technology off. He did nothing to clean it up, and it took a few weeks to get out and see him because he wouldn't return my calls.
When I got in that location, I had to stride around a dried up pile of puke only to go far the house. Once inside, the smell was terrible. In that location were cans of food that had rusted out and had rotting contents spilling out. Boxes and boxes of books and papers had been soaking in filthy water, and there were piles of dirty wearing apparel. I got out of in that location every bit fast as I could.
~ MountainGoat84
Should Probably Work on That Aim
An employee of 1 of our clients saw a magpie flying by and thought it would be funny to hit it with something, so he threw half of his sandwich at it. In the process of doing this, he defenseless his hand on the flashing on the roof of the smoking hut next to him. It was apparently his employers' mistake, co-ordinate to his solicitors.
~ Source
Well That Escalated Speedily
A worker'due south bounty claimant declared that while she was removing cutlery from the cutlery basket of a dishwasher, she managed to catch her finger for a moment in the basket. This "incident" led to the development of a wrist injury, neurological pain and numbness in the arm, subsequent dorsum pain, post-traumatic stress disorder, agoraphobia and loss of social skills. She hasn't worked for four years and has cost her previous employer millions.
~ wheelo007
The Irony of Timing
When I was in college, I called upwardly to showtime the insurance on my motorcycle. The lady told me the premium was like $291 for the year, but I couldn't pay monthly unless it was $300. So, I asked how I could only make it $300. She said to add theft coverage, which was similar $12, so I did.
Well, it gets stolen five days later from in front end of my apartment. They totally thought I was scamming them. I had to do some sort of a financial interview where they wanted to know about all my debt and whatnot. I had to send in all of my bank account statements and credit card statements. Eventually, they approved it.
The funny thing is they establish the bike after a couple of weeks considering some nineteen-year-quondam was trying to chop it in his parents' backyard, and the dad called the cops. The insurance company tried to convince me to let them reassemble it — the kid had it downward to the signal where he was selling individual engine parts and starting to sand the body — but I was having none of that. They paid me to supplant it.
~ Nurum
There Is a Reason for Security Officers
One day, an unsatisfied customer came to the firm with an auto bumper in his hands. He entered through the front doors and threw the bumper at the information desk. Security guys were shocked and didn't say or do anything.
He yelled in the edifice for five to 10 minutes and wanted to speak with the claims section managing director. The security guys didn't let him pass through the bars. He yelled for some other 5 or ten minutes and then stormed out.
~ fasarya
He's Not Even Dead Yet
My mom worked in insurance for years and has all sorts of stories. A typical story she would tell would be along the lines of: Customer – "I desire to offset the procedure of cashing in my father's life insurance." Mom – "Okay, tin y'all tell me when your father passed away?" Customer – "He hasn't however, but the physician just told us he probably won't last the night, so I may as well get started."
She had loads of stories like this, from the recipient of the claim asking about payout while the person was in for routine surgery to the insured dying but a few minutes before. Some people called even if in that location was aught wrong with the insured, just to ask about the way the person has to die for the policy to pay out.
~ FriendlyManCub
Paranormal Activity Is Covered, Right?
We had someone claim a poltergeist had destroyed their furniture. I had to inform them that supernatural occurrences are not covered by the policy. Bummer.
~ oliconner
Source: https://www.faqtoids.com/finance/insurance-claims-stranger-than-fiction?utm_content=params%3Ao%3D740006%26ad%3DdirN%26qo%3DserpIndex
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