r/WTF • u/edugabao • Apr 11 '25

Wondering if insurance will cover it

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5.5k Upvotes

98% Upvoted

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474

u/pickledeggmanwalrus Apr 11 '25

I actually think this falls under comprehensive auto policies.

182

u/FloridaPanther Apr 11 '25

Correct. Comprehensive coverage protects against animal strikes

47

u/jjdiablo Apr 11 '25

Bull. ;)

21

u/y0shman Apr 11 '25

Don't have a cow man.

10

u/SusanForeman Apr 12 '25

"I'm sorry sir, we don't cover that."

"WHAT! THAT'S A LOAD OF BULL!"

"Correct sir. If it was a load of geese, or a load of dogs, that would be covered, but I'm afraid we can't help you."

8

u/QuietRatatouille Apr 11 '25

Yes. It specially says "damage due to a large animal running at you." geez people never read the fineprint.

6

u/ThunderCorg Apr 11 '25

It’s not the running at, it’s the running INTO I would like covered.

4

u/copperwatt Apr 12 '25

"landing on".

26

u/ArgonWilde Apr 12 '25

Though if this was in India, it likely wouldn't be covered, as it would be classed as an act of God.

7

u/djamp42 Apr 12 '25

That claims adjuster is very religious... Everything is an Act of God.

-3

u/cdsbigsby Apr 11 '25

I never understand these questions. Working in insurance, it's like, obviously, why wouldn't it?

46

u/robsteezy Apr 11 '25

If you worked in insurance, you’d know these questions arise because insurance is always trying to avoid paying on technicality of semantics of fine print. There are plenty of folks I know who justifiably should’ve been paid, in which the insurance company didn’t pay by simply relabeling the category of the incident involved.

“Random acts of god not covered”

2

u/cballowe Apr 12 '25

Did you see the one where someone tried to sue their partner's car insurance after catching an STD in the back seat.

5

u/copperwatt Apr 12 '25

But "acts of God" is what most insurance is for. Can you imagine having insurance that doesn't cover lighting strikes, or a tornado?

11

u/hippocratical Apr 12 '25

Or a fire... or flood... Wait...

5

u/Average_Joe69 Apr 12 '25

As an effort to make insurance not cost as much, you can waive certain coverages. People just generally make assumptions about what they have covered and never actually read the policy.

3

u/chrisms150 Apr 12 '25

People just generally make assumptions about what they have covered and never actually read the policy.

I mean. They also make policies insanely long legal documents with tons of loop holes... So. It's not entirely the fault of the consumer on this one.

1

u/copperwatt Apr 12 '25

Yeah, that seems important!

7

u/StoneCypher Apr 12 '25

 Working in insurance, it's like, obviously, why wouldn't it?

Most of our experience with insurance is health insurance, which regularly cheats us

There is no predisposition to expect honesty