My ridiculous umbrella policy story: After being with a certain home owner's insurance company (initials: "SF") with zero issues for close to 30 years, the good wife decided we should increase our liability coverage through an umbrella policy. They made us jump through a whole bunch of hoops, but finally issued it. However, on the first re-review of the policy, they asked if I owned any unregistered motor vehicles. I replied that I had an old derelict
non-running motorcycle stored in the back of my garage. They said I had to get rid of it or no more umbrella policy. I asked why and they said some sneaky thief could break in, rebuild it, put in a new battery & gasoline, pump up the tires, get it running and drive it out of the garage... thereby hitting and killing a neighbor's child that happened to be playing in my driveway.
No, that is not a joke.