You don't have to work long in the insurance business to realizethat not all claims are alike. Indeed, while most are routine,open-and-shut cases, agents, adjusters and other industry playersoften have to cope with unusual circumstances, bad luck or simplythe human factor–any one of which can make it tough or evenimpossible to figure out exactly what happened when a loss isreported.

National Underwriter spoke to a few industry veterans on thefront lines of claims-handling, gathering war stories involvingsimple misunderstandings, tragic circumstances and outright feudshindering the resolution of mysterious or contentious claims.

One classic claim tale shared by Randy Wheeler, founder andchief executive officer of San Ramon, Calif.-based Valley OakSystems–a claims administration and risk management solutionscompany now part of the Aon family–involved what he referred to asa “fertility facility.”

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