Top 10 Craziest Insurance Claims (Car And Home) - YouTube

This video is sponsored by "bellairdirect",

providing complete car and home insurance solutions.

From the sublime, to the ridiculous, and everything in between,

welcome to the crazy you couldn't make this stuff up world of car and home insurance claims.

Welcome to WatchMojo.com, and today,

we're counting down our picks,

for the "Top 10 Craziest Insurance Claims".

For this list,

we ranked the weirdest, most wonderful, most famous,

and most far-fetched claims out there.

They may seem unbelievable,

and it's entirely possible they have been embellished over time,

but all are at least based in fact.

After all,

the truth is stranger than fiction.

Depending where you are in the world,

some car insurance policies, offer a misfueling cover,

for those annoying and slightly embarrassing times,

when you fill up with the wrong type of gas.

But as long as you have inflicted even more damage by driving your vehicle very far,

those insurers will pay to drain and clean the engine.

However, what if you've misfueled magnificently badly,

and filled up with something else entirely?

That's what happened to one British woman,

who claimed, she mistook her shampoo bottle for a gasoline container,

and filled up on premium "Herbal Essences".

The ad say, "It will take your hair to paradise",

but don't expect it to help drive you there.

Mother nature can cause a lot of damage.

So when one Louisville, Kentucky residents submitted a claim,

that his car had fallen victim to hail,

the insuers expected a routine payout.

But,

clearly the claimant had never seen a real life hell-beaten vehicle,

as someone had done a very poor job of recreating the effect.

His insurers knew instantly that this was not weather-related,

and that someone had taken a hammer to the car,

they assumed that someone was the owner himself.

However,

he was unperturbed,

and filed a slightly more reputable claim shortly afterwards,

declaring that someone else had attacked his ride.

As it was impossible to prove who had actually caused the damage,

the money was eventually paid out,

but his premiums likely went through the roof.

We're no experts on the subject,

but surely one of the first rules of insurance fraud, is to know when to stop.

One Delaware man forgot that advice,

when he claimed, he was trying to move burning coals in his home,

and inadvertently caused over fifty thousand dollars ($50,000) in damages.

He was ultimately found out however,

when he concocted a story line more suitable for a slapstick routine.

While trying to throw the coals out,

he threw a bucket full of them outside,

conveniently on to his convertible,

and then while running through his house in a panic,

he somehow managed to throw a second bucket full on his couch.

When will these people learn?

Stop seeing dollar signs, start seeing sense.

Of course, not every ridiculous claim is flat-out fraud,

sometimes they're just honest, but stupid accidents.

One such claim was made one Fourth of July,

when a driver and parked his truck bed with several thousand dollars worth of fireworks,

he had intended to stage a huge an impressive show in a nearby field,

but instead held a costly and dangerous series of explosions on route.

Thanks to a stray cigarette he tossed out of the driver's window,

the rockets launched way earlier than expected,

we assume no one was hurt, but the car was a write-off.

For one wanna-be hustler,

his experience with attempted fraud was anything but child's play.

In fact, it was just a series of schoolboy errors,

theoretically the idea could have worked,

he'd claimed, that thieves had stolen parts from his car,

but the execution was unbelievably amateurish.

The so-called "victim" submitted phony invoices to his insurance company,

listing what he wished to be reimbursed for,

but things got slightly second grade arts and crafts project,

when the accompanying photos showed parts from a toy car,

that was the same color and make as the claimants.

In the end, his "Hot Wheels" landed him in very hot water,

maybe he was sent to his room without dinner.

Some people like to spend their vacation time getting a little closer to nature,

but one couple allowed their car to get a little too close to a particular group of horses.

The sightseeing pair was busy raveling through England's Dartmoor National Park,

when they parked so that they could do a little more exploring on foot,

when they returned to their ride, however,

it looked a little different,

because some presumably very hungry ponies had licked away its paint work.

We've also heard the same tale told about some painting cows in France,

but either way, the claimants cars still ran,

so they didn't need to hoof it.

You might not think the water heater is the most dangerous appliance in your house,

or the most mobile,

but for one unlucky insurance claimant, it turned out to be a literal home wrecker.

After the homeowner attempted an ill-advised home repair on his water heater,

a buildup of pressure caused it to rocket through all the floors of the house,

like an oversized bullet,

before careening out into the outside world.

The destruction didn't stop there,

as it also damaged nearby cars parked in the street,

an accident which we expect,

caused many and ironically heated conversation between neighbors.

With insurance, it pays to be prepared,

and you should always try to arrange a policy,

before an accident happens.

Let's say you're uninsured car randomly catches fire...

You'd probably try your best to think on your feet,

but what would you attempt to purchase insurance over the phone right then and there?

One couple apparently did,

and as the story goes they might have gotten away with it too,

if the car fire hadn't threatened to blaze out of control.

While the husband tried to complete his panic purchase on the phone,

his wife could be heard screaming in the background about her fears of an explosion,

we're assuming the insurance company quickly lost interest in the sale.

Pet dogs can be a real pain sometimes,

especially when you're trying to eat.

They'll stop at nothing, until they steal at least a little of what's on your plate.

But for one pet owner,

their puppy's hunger couldn't even wait until dinner was served,

with disastrous consequences.

According to one insurance claim,

while trying to steal food from the stove,

one ravenous pooch turned all the burners on high,

and caused a major kitchen fire, when an unwatched pizza box was set ablaze.

We should say, that no animals were actually harmed in the filing of this claim,

although, we can't promise that the pups owner was too happy with them.

Before we unveil our number one pick,

here are some honorable mentions.

Unfortunately,

car accidents happen all the time,

and cars are irreparably damaged everyday.

But as we've proven today,

car insurance claims aren't always simple affairs.

Our winner see someone's ride, written off after an unexpected collision with...

a submarine.

An occurrence that was apparently not uncommon in World War II era London.

The unbelievable incident apparently took place,

when the wife of a submariner drove to see her husband's navy vessel arrived in Port,

only she got a little too close to the action, when the inexperienced crewman driving the sub,

accidentally rammed her parking spot.

Causing the car to slip into the water,

it wasn't quite the homecoming the husband was expecting.

Do you agree with our list?

Which insurance claim did we overlooked?

For more crazy, but true, "Top 10's" published everyday,

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This video is sponsored by "bellairdirect",

providing complete car and home insurance solutions.