Below are actual insurance claim form gaffes found by a
UK insurance company:

• "I started to slow down but the traffic was more
  stationary than I thought."
• "A car drove away at speed catching our client who
  went up in the air and his head went through the
  windscreen and then rolled off at the traffic lights a
  good few feet away. The car then sped off and
  miraculously our client remained conscious and managed
  to cross the road."
• "I pulled into a lay-by with smoke coming from under
  the bonnet. I realized the car was on fire so took my
  dog and smothered it with a blanket."
• Q: Could either driver have done anything to avoid the
  accident? A: Traveled by bus?
• A customer collided with a cow. The questions and
  answers on the claim form were: Q - What warning was
  given by you? A - Horn Q - What warning was given by
  the other party? A - Moo
• "I had one eye on a parked car, another on approaching
  lorries, and another on the woman behind".
• "I started to turn and it was at this point I noticed
  a camel and an elephant tethered at the verge. This
  distraction caused me to lose concentration and hit a
  bollard."
• "On the M6 motorway I moved from the center lane to
  the fast lane but the other car didn't give way."
• "On approach to the traffic lights the car in front
  suddenly broke."
• "Three men approached me from the minibus. I thought
  they were coming to apologize. Two of the men grabbed
  hold of me by the arms, and the first slapped me
  several times across the face. I Knee'd the man in the
  groin, but didn't connect properly, so I kicked him in
  the shin."
• "I was going at about 70 or 80 mph when my girlfriend
  on the pillion reached over and grabbed my testicles so
  I lost control."
• "I didn't think the speed limit applied after
  midnight"
• "I was on my way to see an unconscious patient who had
  convulsions and was blocked by a tanker."
• "Mr. X is in hospital and says I can use his car and
  take his wife while he is there. What shall I do about
  it?"
• "No witnesses would admit having seen the mishap until
  after it happened."
• "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."
• Q: Do you engage in motorcycling, hunting or any other
  pastimes of a hazardous nature? A: I Watch the Lottery
  Show and listen to Terry Wogan.
• "First car stopped suddenly, second car hit first car
  and a haggis ran into the rear of second car."
• "Windscreen broken. Cause unknown. Probably Voodoo."
• "The car in front hit the pedestrian but he got up so
  I hit him again"
• We had completed the turn and had just straightened
  the car when Miss X put her foot down hard and headed
  for the ladies' loo."
• "I had been driving for 40 years when I fell asleep at
  the wheel and had an accident. I pulled away from the
  side of the road, glanced at my mother-in- law and
  headed over the embankment."
• "Coming home, I drove into the wrong house and
  collided with a tree I don't have."
• "The other car collided with mine without giving
  warning of its intention."
• "I thought my window was down, but I found out it
  wasn't when I put my head through it".
• "I collided with a stationary truck coming the other
  way".
• "A truck backed through my windshield into my wife's
  face".
• "A pedestrian hit me and went under my car".
• "The guy was all over the road. I had to swerve a
  number of times before I hit him."
• "In an attempt to kill a fly, I drove into a telephone
  pole."
• "I had been shopping for plants all day and was on my
  way home. As I reached an intersection a hedge sprang
  up obscuring my vision and I did not see the other
  car."
• "I was on my way to the doctor with rear end trouble
  when my universal joint gave way causing me to have an
  accident.
• "To avoid hitting the bumper of the car in front I
  struck the pedestrian."
• "My car was legally parked as it backed into the other
  vehicle."
• "An invisible car came out of nowhere, struck my car
  and vanished."
• "I am sure the old fellow would never make it to the
  other side of the road when I struck him."
• "The pedestrian had no idea which way to run, so I ran
  over him.
• "I saw a slow-moving, sad faced old gentleman, as he
  bounced off the roof of my car"
• "The indirect cause of the accident was a little guy
  in a small car with a big mouth
• "I was thrown from the car as it left the road. I was
  later found in a ditch by some stray cows."