Car insurance specialist 1st Central has compiled a list of the most bank-breaking pile-ups ever to grace the silver screen, revealing that Elwood Blues’ epic crash in The Blues Brothers would incur the highest claim in movie history.
If movie characters knew the cost to insurance companies over some of their automobile ordeals, they’d probably think twice about putting their foot on the accelerator. Just imagine those premiums! Elwood Blues would be in the most trouble after his shopping mall carnage in John Landis’ The Blues Brothers.
Insurance specialists at 1st Central looked at how much a claim made from famous movie characters would cost based on typical criteria when applying for car insurance. This included age and profession of the driver, as well as severity of the crash they were involved in.
If Elwood Blues were to claim for his “accident” it would come to a whopping £5m. He’d be responsible for extensive property damage as well as being liable for multiple personal injury claims. His insurance premium for the following year would be £250,000.
Elsewhere, The Joker would be billed £2m for totalling the Batmobile while Charlie Croker’s Italian Job cliffhanger would cost him £210,000.
Luckily, however, James Bond doesn’t need to worry about driving with due care and attention. Despite causing £80,000 worth of damage to his Aston Martin DBS in Casino Royale, James Bond does not need to pay a penny. As an Employee of the Crown, James does not require insurance because the government takes the place of the insurer.
Commenting on the findings, Peter Creed, Co-founder and Chief Underwriting Officer of 1st Central said: “A number of factors had to be carefully considered when estimating the cost of the claims these drivers would make. Whilst our customers are unlikely to experience similar incidents, it’s a useful training exercise for our staff to undertake, so that they consider all aspects of processing a claim.”
The most expensive claims that could be made from movie car crashes are:
10. Days of Thunder – Cole Trickle – £0
Being a professional NASCAR racer came in handy for Cole Trickle in Days of Thunder. Racing around the track, he totals his Chevrolet Lumina after a patch of poor visibility and causes a pile-up, known as ‘The Big One’. Luckily for Cole, he isn’t liable for any claims made against him as his team would have a separate policy for track insurance.
9. Thelma and Louise – Louise – £30,000
Whilst driving off the edge of the Grand Canyon would have cost Louise £30,000 to claim on with her car written off, there would also be an additional cost too for the additional personal injury claim for Thelma and Louise.
8. Dukes of Hazzard – Bo Duke – £50,000
Don’t try this on your driving test!
7. Casino Royale – James Bond – £80,000
On the other end of the cost spectrum, despite causing £80,000 worth of damage to his Aston Martin DBS in Casino Royale, James Bond does not need to pay a penny. As an Employee of the Crown, James does not require insurance because the government takes the place of the insurer.
6. Bourne Identity – Jason Bourne – £100,000
Where we’re going, we don’t need roads – Jason Bourne has clearly been watching too much Back To The Future.
5. The Italian Job – Charlie Croker – £210,000
Leaving the film on a literal cliff hanger, Charlie luckily never found out his premium would rise to £30,000 per annum after his spin-out. Charlie’s claim could have been as high as £200,000, considering his precious gold cargo, but could have been £10,000 more if he had made a call-out for road-side assistance.
4. Bad Boys 2 – Mike Lowry – £1,000,000
The Miami cops care little for road etiquette when the bad guys are getting away.
3. The Dark Knight – The Joker – £2,000,000
In another iconic movie crash, the Caped Crusader causes damage to a public underpass in The Dark Knight, but Batman would not be held liable as the Joker is at fault having fired his Bazooka causing the damage. The Joker would however now have a reason to be “so serious” seeing as he would have to fork out £2m for the incident.
2. Bullitt – Steve McQueen – £3,000,000
Even the best drivers have bad days.
1. The Blues Brothers – Elwood Blues – £5,000,000
If Elwood Blues were to claim on his shopping mall fender bender in the movie The Blues Brothers it would be the highest claim ever made in Hollywood movie history at £5m. Responsible for extensive property damage as well as being liable for multiple personal injury claims, Elwood would see his insurance premium rise to £250,000 per annum following his accident.