Car insurance claims can run into the millions where people have been seriously, and permanently, injured. That leaves the insurance firm paying out not just to cover modifications to their home, but to cover care costs and replace lost earnings for the rest of their lives too. The biggest car insurance claim when it comes to repairs we know of was paid to Mr Bean actor Rowan Atkinson after he crashed his McLaren F1 sports car. He was paid £1.14m and the damage to the car was so severe it took mechanics and body shop specialists at McLaren a year to put right. In terms of a single incident, claims from the victims of the Selby rail crash and their families cost insurer Fortis and its reinsurers around £50m in total costs. The crash happened in 2001 when a Land Rover plunged down a railway embankment from the M62 on to the East Coast Main Line near the North Yorkshire town of Selby, causing two trains to derail.