Funny, coworkers and I were talking the other day. One of mt coworkers has a lemon of a car. One thing goes wrong and no sooner is it fixed, another thing goes wrong. Its a used car, a supposedly nice used car and she's only had it 7 months. Anyway, she joked that she wishes she could just get into an accident and get the insurance money to get a good car. My other coworker has a friend in the insurance business. She said he said that if you want a claim that no insurance company is going to argue, just somehow get your car into a river, bay, ocean, or lake and they won't argue. They figure people are just that stupid to leave their cars so close to the water for something to "bump" them in.