Charlotte, North Carolina.

     
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 really interesting, as Chinese saying goes, " 聪明反被聪明误”啊！ 好像也有方言说：‘一报还一报！’ thanks for sharing this interesting story!

非常精彩！ 可是如果还没有付保费的情况下，保单是不能生效的啊？？ without yet having made even his first premium payment on the policy ？？？？？

引用:

原帖由 Suzanne 于 2008-6-15 10:48 发表 非常精彩！可是如果还没有付保费的情况下，保单是不能生效的啊？？ without yet having made even his first premium payment on the policy ？？？？？

 

Think again!

 

1)Not all the insurance companies have the same policies or standards.

 

2)In most cases, it is in effect when both parties sign the contract / agreetment.

 

3)There was no indication the client refused or failed to pay the premium, it just stated that "without yet having made even his first premium payment on the policy"

 

 

probably I do not know the things in the US, but normally the contract/agreement will be officially signed together with the money otherwise, the insurance company will not sign that or deliver that. Also, when the clients sign the application forms of insurance, some of them misunderstand that this is a contract/agrrement; application form is not the contract but just an application. Without the payment of the premium, the insurance company cannot put it in force. but I believe that in this case, the insurance company still can draw the premium from the claim though it is a small amount. I also get confirmation that indeed some American companies do have such kind of insurance... cheers a very good story... [ 本帖最后由 Suzanne 于 2008-7-6 21:11 编辑 ]