I've actually seen two of the scenarios.
Saw a slight leak in my waterpump. Went to Pep Boys and got a reman. Installed it, checked for leaks, hit the highway.
5 minutes later, 70 MPH, the water pump bearings seized and the shaft snapped off even with the pump body. HEAVY fan.
Snapped so cleanly there was no sideways torque. Fan helicoptered straight into the radiator.
Ate the radiator, fan shroud, belt wrapped around the tensioner and snapped it off.
Pep Boys said I must have overtightened the fan belt. No explanation when I mentioned it was an automatic tensioner.
Riding with a friend, again at about 70, started noticing a vibration that seemed to change with the engine speed.
Asked each other " do you feel that?"
Drove a little farther, said:
"Maybe we should pull over and check that out."
"All the gauges are ok,"
"Yeah, but sometimes the gauges"....WHAM!! Whole truck shook.
I grabbed a hand hold with one hand, my rifle with the other. Sounded like someone had shot the truck.
Truck running fine. Even the vibration gone.
"Did something hit us?"
" Didn't see anything."
" Well, did you hit something?"
"No"
"Should we stop?"
"Lets drive on a little, if someone threw something at us I'd like to put some distance between us."
Actually drove OVER A Mile looking around!
Finally,
"Uh Don?"
"Yeah?"
"Don't want to alarm you, but what is that sticking up out of the hood?"
"WHAT THE HELL IS THAT??"
"Looks like a fan blade....."
Funny how you can overlook something like that. The blade was all the way through the hood up against the hub on the underside. Never saw it for about almost a minute or so.
Pulled over, determined that the water pump was ok, and the belt was still on. Drove all the way into town, never got to the hot mark. Kept the speed up though.
I begged him to just saw the fan off under the hood and leave the blade sticking up, but he wouldn't.
I havn't had the oil pan one yet, but I have seen an oil pan with part of a blade embedded in it.
Of course, with lots of today's fans being light aluminum or plastic, that takes a lot of the fun out.
J.