Insurance Fraud
A San Diego County 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 it would insure the cigars 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 accepted the judge's
ruling and paid the man $15,000 for the rare cigars he lost in "the
fires."
*** As stupid as this was, I loved this part ***
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.
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