美国北卡罗林州有个律师,买了盒非常名贵的雪茄,到保险公司投保火险,保额高达1.5万美元。缴清保费,拿到保单后,他把雪茄一支支地抽了。雪茄抽完后,他到保险公司索赔,原因是他投保的雪茄在“一系列小火灾”中灭失。保险公司拒绝赔偿,理由是雪茄并非在“火灾”中着火,是在正常情况下被点燃抽了。 North Carolina has a lawyer in the United States, bought a very expensive box of cigars, insurance companies to apply for fire insurance, insured up to 15,000 US dollars. Pay the premiums, get the policy, he smoked a branch of cigars. After smoking the cigar, he went to the insurance company for compensation because his cigar was lost in a series of small fires. The insurer refused to pay compensation on the ground that the cigar was not caught in a “fire” and was ignited under normal conditions.