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Crazy car insurance claims
If you wondered why it was difficult to get the lowest car insurance rates then it is because insurers are paying out on all types of weird and crazy claims. Listed below are some of the craziest claims that they have received.
If you know of any really weird claims let us know here at the "Lowest Car Insurance" website.
A lady had an escaped bull land on her car causing considerable damage.
A man parked his car on a tidal
causeway and
then
fell asleep. Whilst asleep
the tide had come in
and flooded his car.
Fortunately
he was safely rescued by boat
but his vehicle
van sank without trace.
A
shocked
driver thought it had started to rain apples. These apples though
weren't from the sky but from a
forklift truck.
Again from the sky
a lady claimed that here car was damaged by
several airborne shopping trolleys flying towards
her
and
ruining
her
car.
The offending trolleys had fallen off a delivery lorry.
Even
a trip to the car wash can be eventful.
When a brush came loose and scraped
the
side of his vehicle he opened the door to press the emergency
button.
His
open door caused the
machine
to
jam
writing
off both car and carwash.
Don't end up with claim being rejected by the lowest cost car insurance company
Make sure that you disclose everything when you apply for any insurance. If you are trying to find the lowest car insurance then you can expect the insurance company to take a hard but fair line when you submit a claim. If they find out you have missed out some important information when you apply for your insurance they may refuse to accept your claim. Trying to get low car insurance and save a small amount of money can cost you a lot more.
Getting low cost car insurance
What you pay for car insurance should reflect the risks of you making a claim. Many factors are involved and different insurers have their own factors. They are all trying to enhance these factors as an aid to competitive advantage. Each company will have its own criteria but here are a few common factors.
The car you drive
Your age
Your marital status
Your occupation
Your driving record (eg speeding or other endorsements on your licence)
Where you live
How you store the car
Your claims record
Annual mileage
Purpose of cover (personal, business or other uses)
Your sex
Claims analysis
Many insurance companies are looking at ways they can sell the lowest car insurance. To do this they analyse their claims histories and their customers. If they understand this they have a better idea of how much they can charge and still make a profit.
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