insurance claim horror stories

Standalone horror stories, approximately 500 to 1000 words per chapter, with each story fully independent of the others. If a character's name appears in multiple stories, it should not imply a connection between them unless explicitly noted otherwise.

A sudden and unprecedented event occurred and took place on Earth. A fissure instantly appeared in the clear blue sky, revealing a void devoid of any light beyond, instantly covering the whole planet, leaving no Life, no Hell, and no Paradise behind... Hence the start of a new chaos and a great beginning of life devoid of any hope began. In this apocalypse and lawless world without any limits set upon its beings, a silent dark wisp took form. A wisp that was bound to become the Horror of All was born... "Wait… I’ve become a Ghost?!" _______________________________ Bonus Chapter; Power Stones, 200 PS = 1 Chapter 400 PS = 2 Chapters 600 PS = 3 Chapters ... Golden Ticket, 100 GT = 1 Chapter 200 GT = 2 Chapters 300 GT = 3 Chapters.

Everyone has their fates connected to their birthdays, they are likely to have psychic abilities specifically connected to ‘something’. Some can sense it while some cannot, depending on what they have committed in the past. Mystery, Death, Foolishness, and Greed are the things attracting the evil spirits to be around. Those who were born on Sunday… “Ward: Labor Tomb” If you see ‘the pregnant,’ please beware; they are there to take your head. Those who were born on Monday… “Mirror: Who’s the First to Die of Them All?” After midnight where mirrors are, ‘mysterious things’ will appear. Those who were born on Tuesday… “Haunted: Mystery of Plumeria House” Stay away from ‘bathrooms’, if you wish to stay alive. Those who were born on Wednesday… “Theater: Book Me a Death Ticket” When people born on this day go to a funeral, they tend to witness bad events. Those who were born on Thursday… “Stairs: 12 Steps...Ghost Staircase” At night, do not look at the stairs, or else something might be there. Those who were born on Friday… “Reality: Dare the Living, Discover the Dead” There is a game for the living, but noted that it might take their lives. Those who were born on Saturday… “Holy: Soul Sacrifice to Spirit’s House” The ancient saying goes: think before you speak, as something the eyes cannot see does not mean it is not real. Every inconsiderate action must be traded with the living, and only death is the answer! One question… What day were you born on…?

Lothair is a serial killer who detest imperfection on human’s facial features, which resulted in him having a compulsory behavior of wanting to strip people’s faces. After he dies, he finds himself as Narcissus, a beautiful and adorable female NPC inside a state-of-the-art VRMMO world of the latest craze called Fallen Carcosa Online. But despite being a fantasy-filled game, the world feels strangely realistic. Too realistic, even. Game-like systems and magic exist but so do plagues, politics, economy, and the horror hidden in plain sight. When pried open, an actual human-like anatomy can be seen beyond the skin of the NPC’s face—with little to no censor. Everything feels too immersive. Except Narcissus, Lothair’s new identity. When Narcissus tried to scrape off the face of her new adorable body, she found an abyssal void with little to no end. This story marks the birth for the King in Yellow. - Warning, this story contain: Male-to-Female Genderbend, GL/Yuri, Occasional Futa MC, Yanderes, Harem, Self-Cest. - Follow the creative and attentive Narcissus, a nuanced former serial-killer who will gradually becomes stronger, experienced, maddening, horrifying, but also mature, wise, conflicted, and complex—in this near-endless journey. Where souls unsung and tears unshed. In the land of Lost Carcosa.

If you are looking for action and mafia stories, please try this one. The story will begin like a typical wish-fulfillment story, but I promise you that the plot will become better the more chapters you read. …. Arlan was fired by the company he was working for after being framed by his Supervisor. Filled with rage and indignance from the injustice, he left the company building with heavy strides. He was only a contractual worker in the construction company so he wasn’t able to save a lot of money. The cash left in his bank account was only enough to last him for a few days. If he couldn’t find a job in the next few days, he might even have to live on the streets. While sitting on a roadside bench, he grabbed his phone and searched for jobs online. Suddenly, an advertisement popped up on his screen, and automatically downloaded a shady app. [Do you want to claim your daily reward?] Those were the words that flashed on the screen of Arlan’s phone when he accidentally downloaded the shady app. When he pressed the [Yes] button, the screen suddenly lit up and showed the words: [Congratulations on claiming 100,000!] [The money has already been deposited in your account!] It was the beginning of his journey of becoming a super rich big boss! __________ Note: The setting of the story is in a parallel world of Earth.

WARNING: {R18+ ROMANCE}{Explicit sexual content} ~~~ "I only want you, Theia. Always have always will and this shall never change. How could I ever want another when I possess the one I solely exist for?" "Phobos," I call his name fondly a need to hug him and breathe in his calming scent surfaces. "I do not wish to treat you like you are made of glass because you aren't. Your body was made for me and it can handle everything I choose to give it. And this I will prove it to you." "When?" I ask breathlessly as he ultimately turns around to meet my curious eyes. Golden rings outline his irises his beast announcing his presence and they stand as one before me. A wicked smile paints his face with a flash of canine displayed to me. A promise he gives that I will be ruthlessly devoured. "When I fuck you senseless." ~~~ After years of excruciating loneliness, Phobos approached me. A frightening beast, my soulmate who emerged from within the bounds of a ruthless thundering storm. The male I yearned for. He caught me off guard and I was under the spell he cast through his ocean eyes. A spell I couldn't defeat and that very moment I knew I was in trouble. The second our eyes met I knew he would bring me endless heartache. We were childhood friends, him and I. Phobos the gentle and playful juvenile I grew up with and looked up to as a pup vanished and was replaced by a cold-hearted barbarian, he terrified me as he killed many with a blink of his eyes. No regret, no concern his beast often in control surging forward consuming his senses. They were equals. How can I connect with a beast like him? How could I make him call me his? How can I love my childhood friend who has become a merciless monster? ~~~ #TBVC is a childhood friends to lovers dark romance erotic series with an age gap of 9 years between the protagonists. It will be a rollercoaster ride of emotions but will also have tons of delicious spice to heat you up. I truly hope you enjoy it my little wolves!

+)Free Book. -) The story is about the misadventures of a group of sailors trying to reach the mainland in an unknown world full of mysteries.

Horror Folktales from the East, including China, Korea, Japan, Southeast Asia, and more.

The story follows Emily, who becomes trapped in her grandmother's isolated house after the power goes out and the outside world mysteriously vanishes. Emily's grandmother is found unconscious, and the old grandfather clock seems to be the only thing functioning normally. As Emily explores the house, she discovers a series of unsettling phenomena - strange shadows, disappearing reflections, and distorted time. Delving deeper, Emily uncovers her family's dark history, which is intertwined with the supernatural forces at work in the house. She learns that an ancient haunted hourglass is the source of the temporal distortions, controlled by a powerful spectral guardian determined to maintain its grip on time. Emily must confront the sins of her ancestors and perform a dangerous ritual to break the curse, risking everything to save her grandmother and restore the proper flow of time. The process leads to a chaotic convergence of different time periods and a final showdown with the hourglass guardian. Though Emily succeeds in shattering the hourglass and breaking the curse, the ordeal leaves deep emotional scars. She and her grandmother must work to heal the wounds and confront the lingering supernatural presence, hinting at the possibility of future challenges. Despite the trauma, they find hope in rebuilding their lives and facing whatever the future may hold.

In a world where technology and all humanity had built dilapidated by a mysterious abyss. Supernatural forces reign as humans awaken with incredible powers and face off against mutated creatures. Eri discovers he's a Vampire with a Horror System, thrusting him into a dangerous new reality. As Eri navigates this treacherous world, he must master his abilities and confront dark forces threatening humanity's very existence. Join Eri on an epic adventure filled with magic, mystery, and redemption in a world where the line between reality and fantasy is blurred. Get ready for a thrilling journey where the impossible becomes possible. Undergoing major edits before the final chapters are released... Then completion