The Man Who Insured
his Rare Cigars, Smoked Them All, Then Collected on the insurance-Fiction!
Summary of eRumor:
A man bought a box of rare,
expensive cigars, then took out fire insurances on them. When
he had finished smoking them, he filed a claim against the insurance
company. The company turned down his claim, but he filed a
lawsuit and won, getting $15,000 from the insurance company.
The Truth: A little too slick to be true, and it isn't. No evidence of
this case has ever been found and it has been around as an urban
legend since at least 1968 when we first ran across it and
A real example of the story as it has
Only in America...
A Charlotte, NC man having purchased a box of very rare,
expensive cigars, insured them against fire among other
Within a month, having smoked his entire stockpile of
without having made even his first premium payment on the
man filed a claim against the insurance company.
In his claim, the man stated the cigars were lost "in
series of small
The insurance company refused to pay, citing the obvious
the man had consumed the cigars in the normal fashion.
The man sued......and won! In delivering the ruling, the
that the claim was frivolous.
He stated nevertheless that the man held a policy from the
which it had warranted that the cigars were insurable and
guaranteed that it would insure against fire, without
is considered to be, "unacceptable fire," and was
obligated to pay
Rather than endure a lengthy and costly appeal process, the
company accepted the ruling and paid the man $15,000.00 for
cigars he had lost in the "fires".
HERE COMES THE BEST PART!!
After the man cashed the check, the insurance company had
arrested on 24 counts of ARSON!!
With his own insurance claim and testimony from the
being used against him, the man was convicted of
burning his insured property and sentenced to 24 months in
jail and a