Hawaii Insurance Online – Waipahu and Aiea Car Insurance, Pearl City Car Insurance – Auto Insurance, Car Insurance

Wacky Insurance Claims

Have you ever filed an insurance claim?  Many of us who purchase an auto or homeowner’s insurance policy may never ever file a claim.  But for most people, there’s some type of accident or event that can be covered by insurance.  That’s why we have insurance – for the unexpected events in our lives.  Most claims are small – minor fender benders for auto insurance and minor weather related claims for homeowner’s insurance.  Some claims are serious like a motor vehicle accident where someone dies or a total loss to a residence by fire.  Again, that’s what insurance is for.  And some claims are just plain wacky.  They may be big or small, but they’re all quite unusual.  Take a look at the following article for some wacky claims:

Wacky Insurance Claims

Posted 18. Sep, 2010 by Forest in General Articles, Opinion

Wacky Insurance ClaimsInsurance is something we all don’t want to pay but can come in handy in situations that we never planned for. In many cases (like home and car insurance) it’s a necessary evil and although I hate extra monthly expenses it has saved my butt a few times!

Most insurance claims are straight up damage claims of the most common nature. Minor car crash, small storm damage, stolen cell phone and similar. However insurance can cover a wide gamut of situations and sometimes some trulelu wacky insurance claims are filed. Not all get paid but believe it or not some do manage to.

List of Wacky Insurance Claims

The wackiest thing I ever claimed for was falling through a loft and landing on top of the fridge in the kitchen! The fridge probably saved me a hospital visit but it’s not that uncommon to fall through roofs (Ok that statement is a huge assumption, maybe it’s just me that is so clumsy!).

This is a list of the funniest and wackiest insurance claims that I could find from an article on Yahoo (wackiest insurance claims), An article on eList Mania (10 bizarre insurance claims) and and article on Barrington Insurance Brokers (funny insurance claims).

  • A farmers herd of cows got into his games room and went nuts causing $3000 (AUD) worth of damage. The claim was paid!
  • A pet poodle swallowed it’s owners false teeth resulting in a $1500 (AUD) claim that again was paid.
  • A wasp flew up a drivers trousers and got in his underwear causing him to panic and put his foot in the accelerator at a stop light, causing a traffic accident!
  • A grandmother took off her opal ring whilst babysitting her grand daughter. The grand daughter decided the ring matched the cats eyes and tied it to the cats collar. The cat ran off into some nearby forest and the ring was never seen again!
  • A closed bus station toilet was claimed as the cause of a man soiling his underwear and claiming for a new pair of trousers! I think this claim was likely refused.
  • A man pulled out of his drive and hit a bus. He claimed that the bus was 5 minutes early and that was why it wasn’t his fault!
  • Voodoo was claimed as a possible cause of a broken windscreen.
  • Hitting a pedestrian was justified by someone as they said they had to to avoid hitting the bumper of the car infront of them.
  • Power steering was blamed by someone knew to it for doing a small turn that ended with their vehicle facing the wrong way!
  • Another person claimed that the pedestrian they had hit admitted it was their fault because they had been hit before.

Some of these are hilarious but I bet they are no where near the weirdest. I am sure insurance companies process some unbelievable claims.

More Tips to Help You Save on Car Insurance

As promised, here are the rest of the tips that may help you save money on your car insurance.  Should you have any questions on any of these tips, feel free to contact me.

6. Drive more safely. You may be eligible for a price break on your policy if you maintain a clean driving record for a specified period (usually three years). A clean driving record generally means no accidents, moving violations, drunk driving convictions, etc., during that period. The best way to qualify for the applicable discount is to drive carefully and defensively at all times. 

7. Buy a low-profile car. Cars are rated on a risk scale for auto insurance purposes. In general, sports cars and other high-performance, flashy vehicles are classified as higher risks because they are common targets for thieves and vandals, and because statistically, the people who own them tend to drive more recklessly. If you own such a vehicle, you will likely pay a higher premium than if you owned a station wagon, sedan, or other low-risk vehicle. 

8. Move. If you live in a rural community with little crime and traffic congestion, your premium will generally be lower than if you live in an urban area where your car is more likely to be stolen, vandalized, or involved in an accident. Granted, you shouldn’t move just to cut your auto insurance costs. However, this may be one of many factors in your decision if you’re thinking about relocating from the country to the city. 

9. Keep your car in a garage. Cars parked in garages are less likely to be stolen, vandalized, or struck by other vehicles. Using a garage to store your car may entitle you to a slight premium reduction. 

10. Have safety/anti-theft devices installed. You may receive discounts on your insurance if your car is equipped with one or more of the following options: anti-lock brakes, automatic seat belts, and airbags. Similarly, anti-theft devices such as car alarms and tracking systems (e.g., Lojack) may also get you a discount because they reduce the chances of your car being stolen or vandalized. 

11. Inquire about multifamily/multipolicy discounts. You may receive a discount from your insurance company if you buy more than one type of insurance through that same company (e.g., auto and homeowner’s). A discount may also apply to your auto insurance if you insure multiple cars under the same policy or with the same company. 

12. Other discounts Other discounts may be available if you meet certain criteria. Examples may include discounts for taking a defensive driving course, being a AAA member or staying with the same auto insurance company for a number of years. These discounts vary by company. 

Please note that this description/explanation is intended only as a guideline. 

Author: Rob Sliver

10+ Tips to Help You Save on Car Insurance

A lot of people shop for their car insurance based upon price only.  They will call insurance companies or shop online looking for the cheapest price possible.  Like almost anything else you buy, you get what you pay for.  If you’re paying a rock bottom price for your car insurance, are you getting a knowledgeable agent who will help you get the coverage you need?  Are you getting the type of claims service that you desire?  And most importantly, will the insurance company be there when you need it?

For some people, the cheapest premium is all that matters.  For others, service, claims and the company are important factors.  One must find the best value for what they’re looking for.  Whether you want the lowest premium or the most value, the following article can help with tips to save on your car insurance.

10+ Tips to Help You Save on Car Insurance

Most people complain about the cost of their auto insurance–hardly surprising, given that a typical policy costs at least several hundred dollars a year. Depending on your age, driving record, and other factors, your annual premium can be significantly more than that. So how can you lower your premium and save yourself money?

If you own a car and drive it, going without insurance is generally not an option. In most states, you are required by law to purchase a minimum amount of liability coverage. And you should probably have more than just the bare minimum if you want to provide yourself with adequate protection. There are steps you can take, however, to reduce your auto insurance costs without having to cancel your policy. Some or all of these steps may be appropriate for you, depending on your circumstances.

Specific ways to save money on auto insurance:

1. Shop around. One of your first steps should be to shop around. A particularly good time to investigate your alternatives is when your current policy is about to be up for renewal, especially if you find that your premium has gone up. You may be surprised to learn that auto insurance premiums for the exact same coverage on the same car can vary widely (by hundreds of dollars) between different insurers, even in states that regulate auto insurance rates.

2. Increase your deductible. For many people, raising the deductible on their auto insurance is a good way to cut the cost of the policy. Sometimes you can reduce your annual premium by 10 percent or more if you increase your deductible from, say, $250 to $500. If you do this, however, make sure you have the financial resources to handle the larger deductible when the time comes.

3. Keep an eye on your credit report. Your credit history is an important factor for most auto insurance companies. Many studies have shown a correlation between your credit history and the risk to an insurance company. Paying your bills on time and maintaining a good credit history will allow you to enjoy lower auto insurance rates.

4. Drive less. If you drive less than a certain number of miles in a year (e.g., 7,500), you may qualify for a low-mileage discount. If your insurer offers this discount, try to limit your driving as much as possible. If you commute to work, use public transportation instead of driving. When you go away on vacation, fly or take the train.

5. Don’t use your car for business purposes. Since work-related driving generally subjects you to higher premiums than pleasure driving, it may be in your best interest to stop using your car for business purposes.

I will provide the rest of the tips in my next blog.  Let me know if you have any questions.

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