Add these to your list of excuses people have made in claims to their insurance companies:

• I thought my window was down but found it was up when I put my hand through it.
• I collided with a stationary truck coming the other way.
• In my attempt to kill a fly, I drove into a telephone pole.
• I was on my way to the doctor with rear end trouble when my universal joint gave way, causing me to have an accident.
• I had been shopping for plants and was on my way …