"A cigar smoker bought several hundred expensive stogies and
had them insured against fire. After he'd smoked them all, he filed a
claim, pointing out that the cigars had been destroyed by fire. The company
refused to pay, and the man sued. A judge ruled that because the
insurance company had agreed to insure against fire, it was legally responsible.
So the company paid the claim. And when the man accepted the money, the
company had him arrested for arson."<P>