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The job of a claims adjuster can be exciting, strange, stressful, sad, and sometimes downright ridiculous. Not every claim is a lesson to be learned, but in this particular story that I am going to share, it is more due to the ridiculous nature of the story.

A loss was reported by a claimant pedestrian, Mr. Ouch. He reported that my insured Mrs. Inappropriate had struck him with her vehicle and then fled the scene.

When I interviewed Mrs. Inappropriate she reported that she has no idea why charges are being filed against her for felony hit and run, assault with a deadly weapon and indecency. She and her husband were baffled. She reported that she had one drink at a restaurant with dinner while dining alone and she left and came home. She had no idea why police showed up at her door later and arrested her.

A month later when the police report was finally released I was galled at the witness accounts. Apparently Mrs. Inappropriate had, had several (6-7) cocktails and left the restaurant with an admirer that she had met at the bar. A few minutes later there was a commotion in the parking lot when people at this family restaurant were attempting to stop Mrs. Inappropriate and her new friend from—how shall we phrase this— participating in hanky panky on top of her car in the parking lot.

When a concerned father, Mr. Ouch, realized that Mrs. Inappropriate was severely intoxicated he tried to stop her from leaving by trying to grab her keys and open her door at which point she backed over his foot and knocked him to the ground with her driver’s side mirror. She then peeled out of the parking lot. Unfortunately, the restaurant tapes their parking lot in the event of car accidents and Mrs. Inappropriate was identified.

The lesson to be learned: do not drink and drive, do not hit and run, and do not disrobe in public.
Posted 5:34 PM

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