You Won’t Believe These Claims Were Actually Covered
You Won’t Believe These Claims Were Actually Covered
Real stories, real lessons… and what they mean for YOUR coverage
Insurance can feel confusing… until something crazy happens and suddenly it matters a LOT
One of the biggest surprises for people? The kinds of claims that actually get covered. Some of them sound made up—but they’re very real, and they highlight just how important it is to have the right protection in place.
Let’s break down some unbelievable (but true-to-life) scenarios—and what you can learn from them 👇
🚗 1. The Runaway Shopping Cart Incident
What happened:
A shopper left their cart unattended in a parking lot. The wind picked up… and that cart rolled straight into someone’s car door
Was it covered?
👉 YES. The car owner’s auto insurance covered the damage under collision or comprehensive coverage (depending on the situation).
Lesson:
Even small, random accidents can turn into real claims. You don’t always need another driver involved for coverage to apply.
🐾 2. The “Friendly” Dog Bite
What happened:
A neighbor’s dog—normally super sweet—got startled and bit a visitor
Was it covered?
👉 YES. Many homeowners insurance policies include liability coverage for dog bites (depending on breed, history, and policy details).
Lesson:
Liability coverage isn’t just for major disasters—it protects you from everyday situations that can quickly get expensive.
🌳 3. The Neighbor’s Tree… On Your House
What happened:
A storm rolled through and knocked over your neighbor’s tree… right onto your roof
Was it covered?
👉 YES. Typically, your homeowners insurance covers damage to your home—even if the tree came from next door.
Lesson:
Insurance is designed to protect your property first, regardless of where the problem started.
🍷 4. Red Wine on White Carpet Disaster
What happened:
A guest accidentally spills red wine all over your brand-new carpet during a party
Was it covered?
👉 SOMETIMES. If it’s considered sudden and accidental damage, your policy may cover it—but not all policies do.
Lesson:
Not everything is automatically covered. The wording in your policy matters more than you think.
🚙 5. Your Friend Crashes Your Car
What happened:
You let a friend borrow your car… and they get into an accident
Was it covered?
👉 YES (in most cases). Auto insurance usually follows the car, not the driver.
Lesson:
If you lend your car, you’re also lending your insurance. Choose wisely
🔥 6. Kitchen Fire from Cooking Gone Wrong
What happened:
You step away from the stove for “just a minute” … and suddenly there’s a grease fire
Was it covered?
👉 YES. Most homeowners’ insurance policies cover accidental fire damage.
Lesson:
Even honest mistakes can lead to major damage—but insurance is there to help you recover.
💻 7. Cyber Scam or Online Fraud
What happened:
You click a suspicious link and unknowingly give away personal info
Was it covered?
👉 SOMETIMES. Some policies offer identity theft or cyber protection add-ons.
Lesson:
Modern risks require modern coverage. If you’re not asking about cyber protection—you might be missing it.
🧊 8. Frozen Pipes Flooding Your Home
What happened:
Temperatures drop in Northwest Indiana and your pipes freeze… then burst
Was it covered?
👉 YES (if you’ve taken reasonable precautions).
Lesson:
Maintenance matters. Insurance helps—but only if you’re doing your part too.
🤯 So… What’s the Big Takeaway?
Here’s the truth:
👉 Insurance covers more than you think…
👉 BUT it also doesn’t cover everything
The difference comes down to:
- Your specific policy
- Your coverage limits
- Your deductible
- And the details most people never read
💡 Why This Matters for You
A lot of people assume they’re covered… until they’re not.
That’s why working with an independent insurance agency (like us) makes a huge difference. Instead of a one-size-fits-all policy, you get coverage that actually fits your life.
🛡️ Final Thought
Life is unpredictable.
Insurance is how you stay protected when things get weird, unexpected… or just plain unlucky
If any of these scenarios made you think,
“Wait… would I be covered?”
👉 It might be time for a quick policy review.
You can experience being a part of and full-serviced independent Insurance Agency today! Simply contact Briggs Agency Inc, if you are interested in an insurance review at 219-769-4840 or visit our website at www.BriggsAgency.com. We look forward to hearing from you!
Blog post written by: Zachary Pelke
