Who has the worst insurance claim horror story, 10 points to the best...?

Answer 1

I used to work as a claims adjuster and get this......

A hospital sent the bill for a patients ER visit. This man took himself to the ER with a complaint of a carrot that got stuck up his a** and it broke off and he couldn't get it out. Upon investigating the situation, the man claimed he was cooking, naked, with a pressure cooker and the lid blew off the cooker and all the pressure sent the carrot flying right up his a**!!!!!!! I say, "Yah right"! But it takes all kinds of people to make the world go 'round!!!!!!!

Answer 2

We were living in a duplex apartment in a little cul-de-sac of the street. The building was a two-story brick. One day, while we were away from home, some 15 year old kid in the neighborhood stole his parents' car and decided to go for a joyride. I guess he thought he'd not get caught if he rode around the side streets of the neighborhood. Anyway, he lost control of the car, and ended up driving the car into the front of the building where we lived, caving in the front wall where the living room was. As it turns out, his family had the same insurance company as we did, and since we were only renters, the insurance company gave us the shaft. We didn't even have electricity in the front part of the apartment for 2 weeks, and had to run extension cords from the back rooms to the kitchen. The fire department refused to declare the place uninhabitable, so we had to stay there with the big hole in the front wall till the landlord found the same color of brick to match the rest of the building. The police did what they could to try to help us, but in the end, the kid more or less got off scott-free. The only thing we got out of it was a new stereo. Our big screen TV was still under warranty, so they wouldn't replace that for us. We even tried to go to the city to put our rent money in escrow, and there was so much red tape to everything, we were the ones who got screwed. So, we stuck it out, changed insurance companies, and moved when we found a place. The last I heard was, the kid only spent a week in juvenile detention, and the insurance company paid for all the damages to his parents' car. Pretty good, huh? Screwed with no offer of a cigarette when they were done. My a s s hurts.

Answer 3

During hurricane Lily in Louisiana my home was destroyed. No roof over the bedrooms water trees in the house etc. All my clothes and food and my families belongings were no longer wearable.

The insurance agent came to our home and did an estimate of
$7,00.00 and said that is all he could recommend. I called FE-MA who said sure I'll help you if you take out a loan and pay me back at 7.5% I said no, why should I borrow money to repair a house that's insured and has been for over 5 years?

Six months later another agent came and did another apprAIsal of
$15,000.00 and he also informed me they would not reimburse us for 2 weeks of lodging and only 50 of our personal belongings etc. and that the generator we were told to buy because of no power for 3 weeks would not be covered.I am still in litigation and have not recovered the balance they owed me and have now dropped my insurance so ai had to find someone else to insure at twice the price. I also had flood insurance but that was a joke!!

Answer 4

Red roses story was pretty good, but mine involves a cat with something up his as-s and a guy with something stuck on his penis. Do the math. He got to the ER like that! He was claiming it was an accident to try to get something out of his health insurance. No luck!

Answer 5

This isn't a "horror" story, but I was in a REALLY bad accident that was TOTALLY not my fault...however, the guy that hit me had a passenger that backed up his story that I pulled out in front of them and I didn't have anyone to back up that I didn't!!!! There weren't any other cars around. They were these old scummy trashy guys in a beat up car and I was this young girl driving a red sports car, so I guess they thought they'd take advantage. Both cars were totalled -- and I kept freaking out and telling the cop it wasn't my fault -- he actually told me he believed me, but because it was two against one with the story -- it was my fault. I only had liability -- so I lost my brand new car -- I still have a nearly $30,000 claim on my credit report because of it and am going to have to file bankruptcy because of it. :(

Answer 6

my Mom left her purse in a Taco Bell 23 years ago with the check from an insurance company that paid a claim on our house from damage from a tornado but luckily she was able to get the purse back and the check was still in their but all her cash was gone

Answer 7

I was touching myself and broke it off...i called my insurance company to see if they would cover the charges to get a new one and they just wouldn't do it. So i brought them to Judge Judy who yelled at me and told me to practice self control....Ridiculous!