This has been out for a while but I thought I'd pass it along.
Metropolitan Life Insurance Company assembled some of the explanations for accidents that claimants have given over the years. Among them are:
An invisible car came out of nowhere, struck my car, and vanished.
I had been driving my car for 40 years when I fell asleep at the wheel and had an accident.
As I reached the intersection, a hedge sprang up obscuring my vision.
I pulled away from the side of the road, glanced at my mother-in-law, and headed over the embankment.
The pedestrian had no idea which direction to go, so I ran over him.
The telephone pole was approaching fast. I attempted to swerve out of its path when it struck my front end.
The guy was all over the road. I had to swerve a number of times before I hit him.
[Source: Quotable Business by Louis E. Boone ]