本文发表在 rolia.net 枫下论坛A man from Charlotte, NC purchased a case of very rare and
expensive cigars, and insured them against fire among other
things. Within a month,he smoked his entire stockpile of
cigars and without having made his first premium payment
on the policy, he filed a claim. In his claim, the man stated the
cigars were lost “in a series of small fires.” The company
refused to pay, citing the obvious reason that the man had
consumed the cigars in the normal fashion.
The man sued and won. In delivering the ruling the judge
agreed that the claim was frivolous, but stated that
nevertheless the man held a policy from the company
warranting that the cigars were insurable. The policy also
guaranteed that the cigars were insured against fire, without
defining what was considered to be “unacceptable fire.” The
company was obligated to pay the claim.
Rather than endure a lengthy and costly appeal process, the
insurance company accepted the ruling and paid the man
$15,000 for the rare cigars he lost in “the fires.” However,
after the man cashed the check, the company had him arrested
on 24 counts of arson. The man’s insurance claim and
testimony from the previous case were used against him, and
he was convicted of intentionally burning his insured
property, sentenced to 24 months in jail, and fined $24,000.更多精彩文章及讨论，请光临枫下论坛 rolia.net
expensive cigars, and insured them against fire among other
things. Within a month,he smoked his entire stockpile of
cigars and without having made his first premium payment
on the policy, he filed a claim. In his claim, the man stated the
cigars were lost “in a series of small fires.” The company
refused to pay, citing the obvious reason that the man had
consumed the cigars in the normal fashion.
The man sued and won. In delivering the ruling the judge
agreed that the claim was frivolous, but stated that
nevertheless the man held a policy from the company
warranting that the cigars were insurable. The policy also
guaranteed that the cigars were insured against fire, without
defining what was considered to be “unacceptable fire.” The
company was obligated to pay the claim.
Rather than endure a lengthy and costly appeal process, the
insurance company accepted the ruling and paid the man
$15,000 for the rare cigars he lost in “the fires.” However,
after the man cashed the check, the company had him arrested
on 24 counts of arson. The man’s insurance claim and
testimony from the previous case were used against him, and
he was convicted of intentionally burning his insured
property, sentenced to 24 months in jail, and fined $24,000.更多精彩文章及讨论，请光临枫下论坛 rolia.net