A man who crashed his $1.2 million Bugatti Veyron told police that he had dropped his cell phone while driving, looked up, swerved to avoid a pelican and wound up submerged in a Texas lagoon.

His insurance company, however, is disputing his story.

Philadelphia Insurers say that Andy House is attempting to commit insurance fraud by filing his $2.2 million claim for the wrecked vehicle, and they say they have some powerful evidence.

A passenger in a nearby car happened to be taking footage of the luxury sports car speeding down a service road along Interstate 45 in Houston. No pelican is visible in the video, and the car seems to make a more gradual approach into the La Marque lagoon.

The matter is being litigated.