I once went on holiday to Yugoslavia (before the wars of the 1990s).
One day one of my fellow tourists was walking past a local restaurant built into a cliff. As he passed there was a loud 'bang!' and a lump of rock flew out through the restaurant gate and hit him on the ankle. The impact knocked him over and in the fall he broke his camera. He was taken to a local hospital where it turned out that his ankle was badly bruised but not, thankfully, broken. He, of course, claimed compensation, for injury and loss, through his travel insurance.

When, eventually, the local authorities investigated it turned out that the restaurant owner had been working on an extension to his establishment. He had delegated this task to his teenage pot-washer who had been supplied with a stick of dynamite and instructed to undertake the initial excavations ...