A CHARLOTTE, North Carolina
man, having purchased a case of rare, very expensive cigars, insured them
against (get this) fire! Within a month, having smoked his entire stockpile of
fabulous cigars, and having yet to make a single premium payment on the policy,
the man filed a claim against the insurance company.
In
his claim, the man stated that he had lost the cigars "in a series of
small fires." The insurance company refused to pay, citing the obvious
reason that the man had consumed the cigars in a normal fashion. The man sued —
and won! In delivering his ruling, the judge stated that since the man held a
policy from the company in which it had warranted that the cigars were
insurable and also guaranteed that the cigars would be insured against fire, without
defining what it considered to be unacceptable fire, it was obligated to
compensate the insured for his loss.
Rather
than endure a lengthy and costly appeal process, the insurance company
grudgingly accepted the judge's ruling and paid the man $15,000 for the rare
cigars he lost in the fires. After the man cashed his check, however, the
insurance company had him arrested on 24 counts of arson. With his own
insurance claim and testimony from the previous case being used as evidence
against him, the man was convicted of intentionally burning the rare cigars and
sentenced to 24 consecutive one-year terms.
So
don't piss off your insurance company!
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