Written by Karim Hesham
The Most Bizarre Insurance Claims Ever Filed (You Won’t Believe #3)
Okay, let’s talk about something that sounds fake but is 100% real: the most bizarre insurance claims ever filed. Like, some of these are straight out of a sitcom or a Florida Man headline. I was just poking around online and wow—people really be calling their insurance companies with the craziest stuff. And the wildest part? Some of these actually got approved.
Alright, first one’s from the UK, actually (I know, we said U.S., but this one’s too good to skip). A woman claimed her iPhone got eaten by a cow. Yeah. She dropped it while feeding the thing, and the cow legit chewed it up. And guess what? Her insurance covered it. Because technically, accidental damage. I mean, how do you even explain that to the rep?
But let’s bring it back to the U.S. There was this guy in California who filed a claim because a bear broke into his cabin and chugged a bunch of beer from the fridge. Not only that—the bear also trashed the place like it was some kind of frat party. He submitted the claim and the insurance actually paid up. I guess bears partying is considered "wildlife damage" now.
Now here’s one that made me pause for real. A woman filed a life insurance claim for her husband… three times. Because she had married, and outlived, three different men—all of whom died in mysterious hot tub accidents. Like… what?? You’d think the insurance company would’ve caught on after the second one, but nope. She collected until the third time, and then they got suspicious and started digging. Turns out, yeah—it wasn’t just coincidence. She got busted, obviously. But still—how does that even happen three times before someone flags it?
Oh, and there’s the infamous lawnmower + hair story. Some guy tried to trim his hedge by lifting a running lawnmower up with a rope (no joke), and naturally, it swung back and smacked him in the face. He filed a health insurance claim saying he "fell." Took investigators like 5 minutes to realize that didn’t add up. He was fine, by the way—just not the brightest tool in the shed.
One of the funniest, though, has to be the guy who claimed damages after his house burned down… because he set fire to a pile of fireworks inside during a gender reveal. Like, my dude. You don’t light 20+ fireworks in your living room and expect your homeowner’s insurance not to ask questions. He tried to say it was accidental. Yeah… nice try. Denied, obviously.
And here’s one that I’m still not sure how I feel about. A woman filed a pet insurance claim after her parrot got depressed and needed therapy. Not even kidding. She said the bird had PTSD from a home burglary and stopped talking. The vet prescribed anti-anxiety meds and bird therapy sessions (I didn’t know that was a thing??), and yes—her insurance partly covered it. Only in America, man.
I also read about this guy who filed for car insurance after a squirrel chewed through his engine wiring. Not once. Twice. Apparently, certain car wires have soy-based coatings now, and squirrels are out here snacking on them like it's a buffet. The insurance company actually paid for it both times. Which honestly, is kinda fair—like what are you supposed to do, fight the squirrel?
Anyway, point is—people will claim the weirdest stuff, and sometimes insurance just rolls with it. If you’ve got a policy that covers “acts of God” or “accidental damage,” the possibilities are… wild. Makes you wonder what kind of claim you could technically file.
Not that I’m encouraging it, obviously. Just saying—next time you see a cow eyeing your phone, maybe hold it a little tighter.
