When I was doing marketing at my families 4th generation insurance brokerage I was reading over typical homeowners policy and came across the phrase Tearing Asunder in the section talking about biler damage. I thought it was lovingly poetic.
The idea was to create a YouTube channel called TEARING ASUNDER that would make little funny video's about the top "accident" video's of the week and have a very boring insurance guy wittingly explain what actually happens Insurance wise in that scenario.
If users just want to see another cool "accident," they can interrupt the broker and move to the next one.
The point being that when you hire an insurance broker, you don't really have to worry about this stuff because they take of it for you.