insurance claims horror stories

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…?

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.

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.

+)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

[You’ve successfully killed an Elder Draco Serpent (SSS) and gained 125,000,000 Exp] [Lifesteal activated!] [You've stolen 50,000 blood and a thousand years' worth of life force] [Power absorption activated!] [Pick one ability from the following: Destroyer's Breath(SS), Poisonous Blood(S), Bizzard(B)] [Ding!] [Conditions are met, do you wish to undergo the trial and upgrade your class to Blood Monarch(SS)?] —————————————————————————————————— Liu Kang was training alongside his clan members when an elder conspiracy almost killed him. However, a masked figure tore through space, attacking the group and rescuing Kang. Revealing his identity, the masked figure showed Kang his power and offered him the chance to become like him. Fueled by the desire for strength and revenge, Kang dismissed the consequences and sacrificed himself to the mask, transforming himself into a monster and granting him a system with limitless potential Extra TAGs: #Guild-Building | #Cold-blooded | #Anti-Villain | #Genius [Mass release event goals (20 Dec)] 5 Review OR 10 Golden tickets -> +2 Chapters 7 Review OR 15 Golden tickets -> +3 Chapters 10 Reviews OR 20 Golden tickets -> +5 Chapters 30 Golden tickets -> +6 Chapters 40 Golden tickets -> +8 Chapters 50 Golden tickets -> +10 Chapters

"Three years after three years, ten years have passed, system, I'm invincible, where's the horror game you promised?" Elon came to this world for ten years, the horror game avoided him for nine years. Elon entered the horror game, the squid game with 99 mortality rate, was played as a speed pass game by him. No one passes through the classroom of death, Elon one person and a sword, sitting on the podium. The ghost, who was originally invigilating the exam, sits down and answers the questions. Elon: "Ming ate 5 apples, dad ate 8 apples, how old is grandpa?" "If you can't answer, you all have to die." Ghosts: "Who the hell is the scary game."