I think my best insurance story is about my friend from work. Last May he bought a new honda s2000, from motor world up in the pocono regions of PA here. Signed over the paperwork for it around 8PM, went home and was going to bring it in to work the next morning. Well on his way to work the next morning at 4:30am, a deer on the PA turnpike decided it wanted a piece of his grill, and hood, and headlight, and bumper. The best part was at work though, when he called up his agent, and something almost exactly like this,"yea i bought the car last night so you didn't know about it, but i was going to be calling this morning to add it to my policy but instead i have a claim already."
All in all 3500$ in damage in less than 8hrs after owning it, had about 40 miles on it at the time.