The following are actual quotes from accident reports submitted to various insurance companies by hapless policyholders:

• 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 intentions.
• I thought my window was down, but found it was up when I put my hand through it.
• I collided with a stationary truck coming the other way.
• 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.

AIDE Magazine