The curb lane of a multi-lane road. So named because drivers crossing the road, are not apt to see vehicles driving down this lane. These drivers are often suckered into making the crossing by innocent drivers in other lanes, who politely wave them through. Everyone is oblivious to the cars sailing down the far right hand lane, who have the right of way.
Of course the insurance company denied his claim. He was making a left turn across three lanes of traffic and could not see the cars whizzing down the curb or coffin lane. The moral is never trust other drivers, when they wave you through. Notice how they were smiling when they waved you through?
The chances are that a turn-pussy knows this from experience, not from driver's ed.