[Forum Game] Explain that to the insurance agency

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This is based on a forum game I made on the Kerbal Space Program forum. In the context of the game Kerbal Space Program this game makes a lot more sense but it has the potential to be pretty fun elsewhere. The idea is that one poster will come up with a scenario and the next poster will come up with an excuse to make it seem like it's not your fault. To make it not just apply to cars and houses you can also do a scenario involving a warranty instead of insurance. The main goal is comedy, so be sarcastic and absurd.

Here are a few examples:

|Poster 1:
|[insert excuse here]
|
|You crash your car into a building.

|Poster 2:
|It said that it was drive-through.
|
|Your house explodes.

|Poster 3:
|I decided to try what the MythBusters do at home.
|
|Your PC melts.

|Poster 4:
|So that's why the cooling fan was there...
|
|[insert scenario here]

You can also just use the same scenario as the above poster if it's a good one and/or if you are out of ideas. I think you get the idea, so I'll start:

Your car breaks down after not having it's oil changed for 10 years.

Ain't nobody got time for dat, changing oil and whatnot.

A tree falls into your house.

It's the attack of the Tree Monsters! They're coming for us!

Your cat is eaten by a mouse.

So I can't give firearms to mice? This was not in the contract.

Your car explodes while sitting out in the driveway.

That's what you get for owning a Ford Pinto.

The car exploded because of the cell phone inside of it.

Since LonelyJar didn't post a scenario I'll just use the previous one that I posted.

Someone put a liquid oxidizer into the fuel tank as a prank.

Your computer catches on fire.

i was playing a nice first person shooter, and couldn't kill the final boss. Setting him on fire was a logical thing to do and it killed him... Well, killed the computer.

You lose it completely and trash up an entire grocery store, smashing down all the shelves and burns the building to the ground.

That's just what my rage does. So next time, don't say I'm dumb for still playing Pokemon Go.

A bunch of giant My Little Ponies stampedes through your town.

Your insurance may cover damage done by animals, but not if it's done by people cosplaying as animals.

Your car exploded because of a cell phone inside of it.