Mr. Fairclough was driving home from Christmas shopping, when he saw a car coming the other way with a Christmas tree badly tied to its roof.
This must have been a split second observation: no sooner had he seen it than the tree launched itself straight at him.
“He was driving too fast around a sharp bend and I saw the tree lift off and it flew straight at me. The trunk made a great dent in my bonnet and caused me to swerve off the road into a hedge.”
Mr Fairclough added: “The chap didn’t stop and he never came back for his tree, so the Police said we might as well have it. It wasn’t funny at the time, but looking back it was like a comedy sketch!” Nice.
Result: Insurance company paid out all damages.
SOURCE: https://listverse.com/2013/01/06/top-10-bizarre-insurance-claims/