Insurance companies protect people when emergencies arise. In theory, people respect insurance agents. Indeed, there is a sacred bond between the policyholder and insurer; the average Joe pays oodles of money and in turn receives help for dire situations. No one would ever abuse that bond - except, however, for the people who do.
To hear some people tell it, insurance companies string quite a few customers along, occasionally even refusing to pay for claims that should have been covered and denying coverage outright to people who genuinely need it. However, some policyholders aren't all that innocent either. People blatantly lie about their claims to get money from the system.
From Redditor /u/zOSguru:
I worked in IT at an insurance company. The claim that made the rounds was a homeowners policy where a guest filed a claim against the homeowners policy because she caught [an STI] from his [adult] toys. Claim was denied.
From Redditor /u/dannyr:
Probably the strangest one I ever saw was a burglary claim. The homeowners had rented their 500-acre property out to tenants, and included in the lease was a shed full of equipment. Tractors, harvesters, work tools, etc. Basically everything you need to run a farm was in that shed.
At the end of the lease they took back over the farm and found the shed not only empty, but missing. The concrete slab was still there, but nothing else was.
A claim was lodged, a police report was made, and the customer got everything replaced.
However, where it gets strange is the phone call I got eight months later.
The customer went to turn on their tap one day and no water came out. They went outside and their pump was working, but [it] was sucking nothing up, meaning there was a blockage somewhere.
The customer went through all the motions, the final step being "get in the dam with scuba gear (the dam was something 4,900,000 L, so a fairly big dam) and see what's blocking the pipe," and found that the tenant had disassembled the shed and put all of it, including the contents of the shed, into the dam.
We then helped the customer empty the dam and move everything to auction to be sold off. The profit went back to the insurer to pay for claims costs.
From Redditor /u/horsehome:
Currently work in home claims lodgment. My favorite has got to be a call I received a few months ago.
Around a decade ago, this lady took her ring into a jewelers; one of the claws holding the stone was bent out and she wanted to get it repaired. Since the job was small, the jeweler kept the ring overnight, performed the repair, and didn't charge the woman for the job when she came back to pick it up.
Now, back to the present day. Lady takes her ring in to a different place to get it valued. Turns out the stone is a cubic zirconia. The original jeweler swapped it out overnight, didn't charge her so there'd be no paper trail, and had since closed shop.
Of course, I always wondered whether the ring was ever a diamond.
From Redditor /u/discoveri:
This one lady had over 50 towing and labor claims within a six-month period. She would drive until she ran out of gas and then call the tow number. They would come out and give her a few gallons of gas. Then she would drive until she ran out of gas and call the number again. Rinse and repeat.
After six months, they permanently banned her from using that option.