Like emergency room doctors, cops and priests in the confessional booth, insurance people are being asked to clean up the messes that people make--and worse, they’re expected to pay for them.

It’s little wonder that veteran insurance people can get a bit jaded. When it comes to claims--and human nature--they have seen everything.

We spoke with several long-time insurance professionals about the weirdest claims they’ve come across in their careers. Here are some of the strangest.

(Got a crazy claim story? Contact us!)

1. The case of the vanishing gold bars

Claims consultant Chris Tidball has worked for P&C carriers for more than 20 years, in roles ranging from claims adjusting to management. The client whom he recalls as the “biggest nut” was Walter A., who presented a claim for a stolen van that was carrying $500,000 in gold bars, which, of course, he wanted covered as well. “Imagine our shock when the van turned up burned to a crisp and all the gold was missing.” Walter would personally come to the office every morning at 8 a.m. to demand his check—a ritual that continued for around 90 days. “He would come in and get belligerent, then would feign having a heart attack, asking us to help him find his nitro pills. He was truly certifiable.”

2. The case of the gypsy curse

Another Tidball tale involves a gypsy who roamed around Southern California. This gypsy had a van that he reported stolen that, like Walter’s, contained lots of valuable “stuff,” which the gypsy could somehow never describe beyond saying it was important. When Tidball told him he had to deny the claim (which was “complete and utter B.S.”) the case went to trial. During an examination under oath, the gypsy pointed a magician’s wand at Tidball and started speaking a strange language in an attempt to cast a curse on the insurance man.

3. The case of the cruising cat ladies

Steve Schroeder, vice president of NFP, has been in the property-casualty business for almost 25 years, on both the broker and carrier side. One of his most memorable claims cases involved a trucking-company client that had a claim filed against a driver. The claimant alleged the truck hit a station wagon and injured the driver and her passenger. The truck driver insisted that it wasn’t his fault; the vehicle had appeared out of nowhere. Investigating state police and SIU personnel found no truck skid marks, but several dead cats on the highway at the accident site. It turned out the women, whose station wagon had been loaded with cats, had been literally driving in circles in the rural area – first in the southbound lane, then crossing the embankment and heading north. When the truck driver T-boned the station wagon, several cats flew out the vehicle’s windows and were killed. The claim was pulled.

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Your dog isn't just a good dog -- he's your best friend who wouldn't hurt a flea.

But you might have to prove it to get your home insurance company to cover him, especially if he belongs to a breed with a reputation as aggressive.

Home insurers are increasingly cautious about providing liability coverage for dogs because pooches are taking a bigger bite out of their bottom lines.

More than one-third of the dollars home insurance companies pay out for liability claims is for injuries caused by dogs. Last year, dog liability insurance claims cost home insurers more than $483 million, according to the Insurance Information Institute (III) and State Farm, the largest U.S. home insurance provider.

The average cost of a dog liability claim nationwide, which was $27,862 in 2013, has grown more than 45 percent in the last decade, thanks to rising medical costs as well as the size of settlements, judgments and jury awards given to plaintiffs, says Loretta Worters, III vice president.

Traditionally, renters and homeowners insurance has covered dog bite liability legal expenses up to the policy's liability limits. But some insurers now require dog owners to sign liability waivers for dog bites, and some exclude certain breeds of dogs, such as pit bulls, Doberman Pinschers and German Shepherds, from liability coverage, or they charge more to cover certain breeds. Some home insurers won't cover dogs, period.

Showing your dog is a good citizen

How can you prove your dog is not a risk?

In some cases, especially if your dog has already bitten someone, you might have to resort to purchasing a separate dog liability insurance policy to cover him.

But in other cases, you might be able to persuade your home insurer to cover your dog if you can document that you are a responsible owner.

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