The process for me was both therapeutic and also a means of keeping contact with family, friends and acquaintances.
The following is the transcript of a video,sent to me by my good mate Dave, depicting somewhere in the Southern States of America . The attire of those assembled in what appears to be a Church Hall suggests it dates from sometime in the 1980's or early 1990's.
The Orator is a Senior and a very good story teller.
He intimates that the tale is a true one. I can well believe that having had first hand experience of the main protagonists.
It centres on a Lawyer who purchased a box of very rare and, as a consequence, expensive cigars.
He insured them on a commercial basis against main losses and in particular the risk of fire.
Within a month he had smoked all 24 of these great cigars and even before he had made the first premium payment on the Policy he filed a claim with the Insurance Company. In his claim the Lawyer stated that the cigars were lost in a series of small fires.
The Insurance Company refused to pay out on the Policy citing the obvious reason that the man had consumed the cigars in the normal fashion.
The Lawyer sued in Court and won.
Delivering the ruling the Judge agreed with the Insurance Company that the claim was frivolous. He further stated that the Lawyer did have a Policy from which the Insurers had warranted that the cigars were indeed insurable and had guaranteed that they were covered for fire without defining what was considered to be acceptable fire. Therefore they were obligated to pay the claim.
Rather than face the prospect of a lengthy and costly Appeal process the Insurance Company accepted the ruling and paid out $15000 to the Lawyer for the loss of the 24 cigars.
As soon as the Lawyer had cashed in the settlement cheque the Insurance Company had the him arrested for 24 counts of Arson.
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