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Author Topic: Lawyer VS. Insurance ( true story )  (Read 1836 times)
TwT
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Galactic Bee
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Ted


« on: July 09, 2005, 03:45:38 PM »

This is the best lawyer story of the year, decade, and probably the century. A Charlotte, NC, lawyer purchased a box of very rare and expensive cigars,: then insured them against fire among other things. Within a month having smoked his entire stockpile of these great cigars and without yet having made even his first premium payment on the policy, the lawyer filed a claim against the insurance company. In his claim, the lawyer stated the cigars were lost "in a series of small fires." The insurance company refused to pay, citing the obvious reason: that the man had consumed the cigars in the normal fashion. The lawyer sued .. and won!

In delivering the ruling, the judge agreed with the insurance company that the claim was frivolous. The Judge stated, nevertheless, that the lawyer held a policy from the company in which it had warranted that the cigars were insurable and also guaranteed that it would insure them against fire, without defining what is considered to be unacceptable fire, and was obligated to pay the claim. Rather than endure lengthy and costly appeal process, the insurance company accepted the ruling and paid $15,000 to the lawyer for his loss of the rare cigars lost in the "fires."

NOW FOR THE BEST PART...

After the lawyer cashed the check, the insurance company had him arrested on 24 counts of ARSON!!!! With his own insurance claim and testimony from the previous case being used against him, the lawyer was convicted of intentionally burning his insured property and was sentenced to 24 months in jail and a $24,000 fine.

This is a true story and was the 1st place winner in the recent Criminal Lawyers Award Contest.
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THAT's ME TO THE LEFT JUST 5 YEARS FROM NOW!!!!!!!!

Never be afraid to try something new.
Amateurs built the ark,
Professionals built the Titanic
BigRog
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« Reply #1 on: July 09, 2005, 05:35:46 PM »

Claim:   A cigar aficionado insures his stogies against fire, then tries to collect from his insurance company after he smokes them.
Status:   False.

Example:   [Collected on the Internet, 1997]


A cigar smoker bought several hundred expensive stogies and had them insured against fire. After he'd smoked them all, he filed a claim, pointing out that the cigars had been destroyed by fire. The company refused to pay, and the man sued. A judge ruled that because the insurance company had agreed to insure against fire, it was legally responsible. So the company paid the claim. And when the man accepted the money, the company had him arrested for arson.
 

Origins:   This  
legend began its Internet life after it was posted to the newsgroup alt.smokers.cigars in early 1996, and it has continued to circulate as a "true story" in newsgroups and e-mail ever since, despite its having been identified as an "urban legend" when it was first posted. The version posted was, in fact, nearly identical to one that has been circulating since at least the mid-1960s:


A man bought several boxes of cigars and had them insured against fire. When he had smoked them, he put in a claim against the insurance company that they had been destroyed by fire.
The company refused to pay, and the man sued. The judge ruled that the company had given the man a policy protecting against fire, and must pay.

As soon as the man accepted the money, the company had him arrested on a charge of arson.

Another anecdote from the same 1965 volume suggests this legend stems from a joke whose basic premise has been used in a few different ways:

"He's the kind of accountant you've got to admire. Last year he deducted eighty cartons of cigarettes from my income tax. Called it loss by fire!"
Insurance policies are generally written so that deliberate actions on the part of the policyholders cannot trigger payouts. Furthermore, destroying your own property isn't arson, as long as the act isn't intended to defraud anyone. If a court had already ruled that the insurance company was required to pay, then obviously no fraud was committed, and thus the burning could not be considered arson.


The structure of this legend -- a person's exploiting a regulation for personal gain, then being punished under an unforeseen aspect of that regulation -- is similar to the collegiate legend about cakes and ale.

Last updated:   10 July 2000
 


The URL for this page is http://www.snopes.com/crime/clever/cigarson.asp
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TwT
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Galactic Bee
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Ted


« Reply #2 on: July 11, 2005, 07:33:10 AM »

I found it in a joke page and just posted it , didnt know if it was true or not, just thought it was funny and knowing how people are now day, thought it was so stupid it could have happened , thanks for straighting it out Rog
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THAT's ME TO THE LEFT JUST 5 YEARS FROM NOW!!!!!!!!

Never be afraid to try something new.
Amateurs built the ark,
Professionals built the Titanic
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