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  • Insurance Claim

    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 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."

    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.
    Still collecting Frank Thomas in any uni and HoFer G/U & Auto's.

    I do not trade nor buy at "eBay values", unless a card is so rare that it is unlisted.

  • #2
    Wow thats Crazy is it tru
    http://photobucket.com/trades_bucket
    Collecting Panthers and Lots more

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    • #3
      And when the reporters asked him about his opinion on the outcome of the trial he said "It just burns me up."

      The main items Im looking to trade for are
      Baseball HOFers Autos I need
      Orioles Autos I need
      Baseball HOFers GU I need
      Orioles GU I need
      Vintage Orioles I need 1950s through 1970
      However other offers will be considered

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      • #4

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        • #5
          Those consecutive 1 year terms will never stick. Insurance companies don't pay out if the cause is arson implemented by the insured. Therefore, the insured cannot collect. It would have been cheaper for the insurance company to appeal the decision rather than to end up paying the court costs when the man sues them. Also, what he said could not be used to prosecute him because he was never mirandized on the charge of arson. He had already provided incriminating testimony without being informed that he was the subject of an investigation. You can't mirandize after the fact. Most importantly, arson doesn't apply to cigars or any other personal property such as clothing, televisions, etc. That falls under willful destruction of property. Funny story, but too many holes in it.

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