What do a comedian, a fake deer accident, and a totaled car have in common?

Apparently… a masterclass in what not to do with your insurance claim.

In this episode of Insurance Gone Wild, Dennis and Stephanie break down a viral comedy bit that raises a very real question:

👉 Could you actually fool an insurance company with a “creative” claim?

From staged deer collisions (yes… involving venison 😳) to real-life stories of swerving for animals and totaling cars, this episode walks the fine line between hilarious and highly illegal.

Along the way, you’ll learn:

Why insurance companies care more about what you hit than why you swerved

The difference between comprehensive vs. collision coverage (and why it matters more than you think)

What a “phantom vehicle” is—and why it rarely works in your favor

And why honesty in a claim might save you a LOT more than a clever story ever could

Bottom line:

It might sound genius… until it turns into fraud.

🎧 Hit play for laughs, real talk, and the kind of insurance advice you didn’t know you needed.

⏱️ Chapters

00:00 – Lighting Problems & Studio Chaos

00:02:29 – The Viral “Fake Deer” Insurance Story

00:05:35 – Swerving vs. Hitting: What Insurance Actually Wants

00:09:36 – Phantom Vehicles & Who’s Really at Fault

00:18:40 – Fraud Stories That (Shockingly) Got Paid

00:24:34 – Commercials, Confusion & Classic Banter

Email: Contact@IGWpodcast.com

Facebook: https://www.facebook.com/InsuranceGoneWild

Get a Quote!

Panatela Group: https://panatelagroup.com/

Call: 817-753-0093