What’s the funniest or most ridiculous thing you’ve seen on a claim?

(Keep it appropriate of course 😂)

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I'll go first. While working general liability claims for a grocery store chain we would get the oddest situations. One time a guy comes into the store wearing heels and a nun outfit (need to add nowhere near Halloween) and filed a claim that while he was looking at magazines in the store a spirit jumped out at him so he "fell" and needed to take a nap.

After moving to auto claims I kind of miss those crazy general liability claims from time to time lol

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Auto litigation - a plaintiff was tapped by our insured at a red light ; no damage to either car. He claimed his cell phone ( which he says was between his thighs ) got jammed up his anus and caused an anal fissure. Yes - he was wearing jeans at the time. He claimed the impact was so great that he was lifted off his seat and his cell phone jammed up his butt.

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We had excellent defenses besides the low impact. The plaintiff had a lengthy history of chronic pain and opioid use. His chronic opioid use also created constipation and bowel problems. He had a history of anal fissures from his constipation. We did get a medical expert to opine on causality and did reach a modest settlement with him for his initial emergency treatment on the date of the accident. It was wholly defensible but resolving for a minimal amount was the most cost effective way to get this off the books.

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I once had a claimant that claimed his surgically implanted reservoir for his penial pump was ruptured in the accident. I took his recorded statement before transferring the file. Unfortunately I only handled soft tissue BI claims. Make whatever jokes you will. That was the oddest claim I ever handled and oddest injury I've ever seen reported.

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