A lawyer purchased a box of very rare and expensive cigars, then insured
them against, among other things, fire. 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!
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, 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 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 First Place winner in the recent
Criminal Lawyers Award Contest.
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