Here's a good one relating to not so much a crash, but how insurance companies can get out of it.
About six months ago, a council truck threw up a stone when I was going down the dual carrigeway - straight through my windscreen. The truck in question was in the opposite lane, doing most likely 50mph. I was doing between 65 and 70. What a bang that was.
Luckily (I thought), I have windscreen cover on my insurance. Hence I got it fixed, and continued on my way (though, to this day, I am still finding little cubes of glass under the seats).
Then however, I got a call from my insurance company. They were refusing to pay up, as the cost of the repair was above what their estimated value of the car was. They wanted to write my car off rather than fix a broken windscreen?!? As a result, I had to pay £350 for the windscreen replacement, and proceeded to change insurers. I know for a fact as well, that the bottom book price for the car in question was £450 anyway.
Have to ask, why do I bother having fully comprehensive insurance?!?
Actually accident related - why is it when someone drives into the back of your car at the traffic lights, when you were stationary, with the handbrake on - that they still INSIST that it's not their fault? Still, proved there's an obvious winner there in the '97 Lada Niva versus '03 Merc S-class there's a clear winner. Damage to Lada: one mudflap fell off, and the chrome exhaust trim got dented. Merc: bonnet, both headlights, radiator, front bumper...heh. Modern cars seem to be designed to fall apart.
Thus far, been in three accidents. Two with someone driving into the back of my car at traffic lights, and one when a drunk walked in front of the jeep. (escaped with a concussion thanks to me spotting him in time).
So far no speeding tickets yet either!
