In more recent times in Leicestershire in England in 2012, a short but powerful hailstorm saw hundreds of car owners lodging claims, some within five minutes of the sky exploding. Many cars had windscreen damage, broken mirrors and the roof of many cars took on a dimpled look. Dozens of people claimed their car was a write-off. No collision with a pole or another car. No stolen or burnt-out vehicles in sight. Many were unrecognizable as the fury of the hailstones and even shards or ice smashed cars beyond recognition; a car insurance company's nightmare.
Weather is often a factor in many car insurance claims. One really bad winter's day with snow and ice about, a motorist tried to get his car going but found even his driveway was too slippery. He left his almost new car where it was and called a cab. The taxi duly arrived, swung into the driveway, skidded on the ice and crashed into the parked car. It was one of these days.
Some of the most expensive claims come naturally from the most expensive cars. A rare or prestige vehicle is often worth a lot of money. But when you have a major claim for a ridiculous reason, well that takes the cake. A Lancia Delta Intergrale is from a stable of vehicles described as one of the best rally cars in the world. So a successful vehicle would naturally be well cared for and protected from the elements. In this case the owner did just that but somehow a team [family perhaps] of mice got inside the car and chewed its seats and door linings to bits. That's both bizarre and costly.
There are examples of unfortunate car insurance claims. A driver had an accident and got on well with the driver of the other car. Next week the first driver was tootling along, saw the driver he'd collided with the previous week, waved to him and in so doing crashed into another car.
But by far the most expensive car insurance claims involve multiple cars and expensive ones at that. Sometimes a chain of events triggers a multiple-car pile-up. If your car gets hit by several cars or hits several cars or both, the bill is heading north. If your car and others involved are in the high-price bracket, the insurance company will have to max out its corporate credit card.
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