see, I run an insurance call center at work so I spend a good bit of my day reading actual (not made up) insurance claims, like

"the saw was jammed so he stuck his hand under the safety guard to unjam it and cut his hand on the saw blade" (not very smart)

or

"customer was running to the restroom when she crapped herself. she slipped in her own feces and fell to the floor, causing a bruised hip" (this seriously happened)

or my personal favorite

"hotel room walls damaged by smoke from a meth lab that exploded in the room" (nothing is funnier than an exploding meth lab)