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Why Bumble Bees Make Terrible Backseat Drivers

Even if you don’t fear the buzz, this one’s pretty scary. Hear one Insurance Holdings® agent’s almost un-bee-lievable story from the Hall of Claims

I answered the phone one day to the sound of a woman shrieking, "A bee flew in the car! A bee flew in the car!" over and over. My first thought was: Wrong number? Then I recognized her voice, it was a customer I’ve known for years. I tried to calm her down, thinking she accidentally dialed me or called by mistake. Bees don’t really seem like an insurance matter. Then she screamed, "THE CAR IS SINKING!" That got my attention.

She'd driven to a nearby lake to pick up her husband and his boat after a day of fishing. As she backed her car onto the boat ramp, a bee flew through the passenger side window. She panicked, and jumped out of driver-side door, completely forgetting to put the car in park. Her car, which was on the boat ramp incline, slowly rolled into the lake. I could hear her poor husband yelling in the background as the car went underwater.


The lake is very shallow, and for days afterward, the roof was visible just a few feet below the surface until the car was towed away.

I've been a Insurance Holdings agent in my small, rural community for 30 years, and I've seen and heard a lot of things — collisions with deer, drivers thinking standing water isn't too deep to drive through — but the bee story was a new one on me. This was also the first time I’ve been on the phone while an incident was happening. (I can't resist. It was... un-bee-lievable.)


The Resolution: The bee was fine. The car was totaled. (No word on whether her husband caught any fish.) After the customer paid the deductible, Insurance Holdings covered the loss through her personal auto insurance policy.

Issued insurance policy documents control all claim determinations. Please read the actual policy documents for your state for important details on coverages, exclusions, restrictions, limits, conditions and terms. Not all products, coverages and discounts are available in every state. Insurance is underwritten by Insurance Holdings Exchange and other affiliated insurance companies. Visit insuranceholdingsltd.com for a complete listing of companies. Not all insurers are authorized to provide insurance in all states.