The form asks you to explain in your own words exactly what happened. Naturally you want to tell it so you get off the hook. Not only that, you want to slide the hook into the other guy a little.
I haven't had to fill out a claim form in years, but I remember how hard this is to do. Here are a few examples to get your mind working right. Don't try to lift these, they've been used already. Honest ... they have.
The other car collided with mine without giving warning of its intentions.
I thought my window was down but I found out it was up when I put my head through it.
I collided with a stationary truck coming the other way.
A truck backed through my windshield and 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.
I pulled away from the side of the road, glanced at my mother-in-law and headed over the embankment.
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. I did not see the other car.
I had been driving for 40 years when I fell asleep at the wheel and had an accident.
I considered that neither vehicle was to blame, but if either were to blame, it was the other one.
I blew my horn, but it would not work, as it was stolen.
If the driver had stopped a few yards behind himself, the accident would not have happened.
She suddenly saw me, lost her head, and we met.
The pedestrian ran for the pavement, but I got him.
As I approached an intersection, a stop sign suddenly appeared in a place where no stop sign had ever appeared before.
My car was legally parked as it backed into the other vehicle.
An invisible car came out of nowhere, struck my vehicle, and vanished.
I told the police that I was not injured, but, removing my hat, I found I had a skull fracture.
I was sure the old fellow would never make it to the other side of the roadway, when I struck him.
The pedestrian had no idea which direction to go, so I ran over him.
I saw the slow-moving, sad-faced old gentleman as he bounced off the hood 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 my car as I left the road. I was later found in a ditch by some stray cows.
I knocked over a man. he admitted it was his fault, as he had been run over before.
To avoid a collision, I ran into the other car.
The accident was due to the other man narrowly missing me.
I misjudged a lady crossing the street.
I bumped into a lamp post which was obscured by a pedestrian.
I left my car unattended for awhile, and whether it was by accident or by design, it ran away.
I wish I had had these to study when I was filling out the form after my last accident. That was the time I was driving down a highway that ran into a deer.
