Ron Hettler of Hettler Insurance Agency vividly remembers a claim from his first year in the business. A client of his was driving around in his pickup truck and had his shotgun riding, well, shotgun. Arriving at his destination, the client grabbed his gun and hopped out of the cab. Unfortunately, he lost his grip and the gun discharged. The client wasn't sure if he'd fired the gun while grabbing for it or if it went off by itself as it hit the ground.
The gun was loaded with buckshot and while thankfully, the man was uninjured, the truck's interior wasn't as fortunate. The entire cab of the truck -- headliner, seat covers and dashboard -- had suffered extensive damage. Luckily, the client had comprehensive (also called OTC, or Other Than Collision) insurance. As Hettler says, comprehensive insurance "is very broad and covers many weird incidents," including, apparently, shooting your own pickup truck [source: Hettler].