A Skit About Insurance in the Marvel Universe Has the Internet in Shambles

What if the Hulk destroyed your car?

August 5, 2025
Robert Downey Jr.
(Photo by Jesse Grant/Getty Images for Disney)

A hilarious skit about insurance policies in the Marvel Comics universe has the internet in stitches at the thought of living in a world with real superheroes.

The minute-long sketch, posted on X by actor/comedian/gamer Casey Lawrence, details a call between a person who’s had their car destroyed by the Hulk and an insurance agent who tells them about the limitations of their previously-purchased “hero insurance.”

It turns out that hero insurance has different tiers. There's one for mutants like Cyclops and the Beast, but a separate, additional expense is needed for Avengers coverage.

The person on the other end of the line is clearly pissed that their hero insurance won’t cover damages from someone who is, of course, a hero.

Check out the best reactions to the hilarious skit below.