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Short Snappers: Funny Insurance Claim Explanations #1

Humor can be used in a number of ways during training and presentations. One of the best uses is to break up the training "work" and provide a short two minute or so brain rest. Short funny one liner type humor, or short snappers work very well for this.

Below you'll find a number of supposedly real explanations insurance policy holders have provided to their insurance companies to explain their accidents. Many of them are exceedingly funny, guaranteed to evoke laughing out loud in almost any group, and NOT at the expense of anyone.

Suggestions On How To Use

Periodically take a 2 minute or so break. You can simply go through five to ten of the items below.

My preference though is to make a game of it. Have the class vote on their favorites. You can actually have a running "game" with semi-finals and finals, ending just at the end of the class.

Choose items that might have some tie in to your content, and training goals, if possible. One thing you will find is that these and other real life "errors" are often a result of communication errors in semantics, grammar, etc, so they are particularly relevant to courses on interpersonal skills, conflict, and of course, communication.

Hysterical Insurance Claims #1 For Training And Learning


  1. A bull was standing near and a fly must have tickled him because he gored my car.
  2. A lamp-post bumped into my car, damaging it in two places.
  3. A pedestrian hit me and went under my car
  4. A truck backed through my windshield into my wife’s face.
  5. After the accident a working gentleman offered to be a witness in my favour.
  6. An invisible car came out of nowhere, struck my car and vanished.
  7. As I approached an intersection a sign suddenly appeared in a place where no stop sign had ever appeared before.
  8. Car had to turn sharper than was necessary owing to an invisible lorry.
  9. Coming home I drove into the wrong house and collided with a tree I haven’t got.
  10. Cow wandered into my car. I was afterwards informed that the cow was half-witted.
  11. First car stopped suddenly, second car hit first car and a haggis ran into the rear of second car.
  12. Going to work at 7am this morning I drove out of my drive straight into a bus. The bus was 5 minutes early.
  13. I am responsible for the accident as I was miles away at the time.
  14. I am sure the old fellow would never make it to the other side of the road when I struck him.
  15. I blew my horn but it would not work as it was stolen.
  16. I bumped into a lamp-post which was obscured by human beings.
  17. I bumped into a shop window and sustained injuries to my wife.
  18. I can’t give details of the accident as I was somewhat concussed at the time.
  19. I collided with a stationary tramcar coming the other way.
  20. I collided with a stationary tree.
  21. I collided with a stationary truck coming the other way
  22. I consider that neither vehicle was to blame but if either were to blame it was the other one.
  23. I didn’t think the speed limit applied after midnight.
  24. I had been driving for 40 years when I feel asleep at the wheel and had an accident.
  25. I had one eye on a parked car, another on approaching lorries, and another on the woman behind.
  26. I heard a horn blow and was struck violently in the back. Evidently a lady was trying to pass me.
  27. I knew the dog was possessive about the car but I would not have asked her to drive it if I had thought there was any risk.
  28. I knocked over a man. He admitted it was his fault as he had been run over before.
  29. I left for work this morning at 7am as usual when I collided straight into a bus. The bus was 5 minutes early.
  30. I left my Austin Seven outside and when I came out later to my amazement there was an Austin Twelve.
  31. I left my car unattended for a minute, and whether by accident or design it ran away.

Source: This list appears all over the net, and there's no way to track down the originator, who remains unknown.