Unusual Claims: The Strangest Things Auto Insurance Has Covered

​Auto insurance is a financial safety net that provides coverage for a wide range of incidents, from minor accidents to major collisions. While most claims are related to common accidents like fender-benders and hail damage, there have been some truly bizarre and unexpected claims over the years. In this article, we'll explore some of the strangest things that auto insurance has covered. These unusual incidents serve as a reminder that insurance is there to protect you when you least expect it.

1. Space Debris Damage
   Yes, you read that correctly – space debris damage. In 1997, a woman in Oklahoma had the misfortune of having a piece of the Delta II rocket crash through her roof and onto her car. Fortunately, her auto insurance covered the damage caused by the unexpected celestial event.
   
   
2. Animal Encounters
   Animal-related accidents are relatively common, but some cases are truly unique. There have been claims for damages caused by everything from cows falling onto cars to aggressive emus attacking vehicles. These bizarre incidents highlight the importance of comprehensive coverage, which often includes animal collision protection.
   
   
3. Volcano Eruptions
   In Hawaii, where volcanic activity is a part of daily life, auto insurance policies can cover damage caused by lava flow and volcanic eruptions. This unusual coverage is a testament to the adaptability of insurance policies in regions with unique risks.
   
   
4. Hit by a Flying Bat
   A man in Arkansas experienced an unlikely mishap when a bat flew through his open car window and caused a collision. His auto insurance covered the resulting damage, illustrating that insurance companies can handle even the most unexpected scenarios.
   
   
5. Falling Frozen Turkeys
   Around Thanksgiving, insurance companies often receive claims related to cooking accidents, but one claim stood out – a frozen turkey fell from a truck and crashed through a car's windshield. Fortunately, the auto insurance policy covered the damages, emphasizing the importance of comprehensive coverage.
   
   
6. Sinkholes and Quicksand
   In areas prone to geological anomalies like sinkholes and quicksand, auto insurance policies may include coverage for vehicles swallowed by the earth. While these incidents are rare, they showcase the diversity of risks that insurance can address.
   
   
7. Intentional Tree Falling
   Sometimes, even bizarre acts of vandalism can be covered by auto insurance. In one instance, a car owner's policy covered the cost of repairing their vehicle after someone intentionally felled a tree onto it.
   
   
8. Meteorite Strikes
   In a truly out-of-this-world scenario, a car in Canada was struck by a meteorite, causing significant damage. Fortunately, the vehicle owner's comprehensive auto insurance covered the repairs, highlighting the importance of having comprehensive coverage for unforeseen events.

While these bizarre auto insurance claims may seem like one-in-a-million occurrences, they serve as a reminder that insurance is designed to provide financial protection when the unexpected happens. While you may never encounter a falling meteorite or space debris, having comprehensive auto insurance coverage ensures that you're prepared for a wide range of unusual and unexpected situations on the road. It's a testament to the adaptability and versatility of insurance policies in addressing the unique risks faced by drivers worldwide.

At McClain Matthews Insurance, we put our clients first by offering them policies that they can afford. Insurance is a necessity nowadays, and we're here to help you. Learn more about our products and services by calling our agency at (317) 298-7500. You can also request a free quote by CLICKING HERE. 

Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.​