Criminal law is a pretty fascinating field as I am quickly learning. See what you can make of this scenario:
Joe Smith buys a box of top quality expensive cigars worth 10,000 dollars US. In order to protect his new "investment" he buys a standard insurance policy for his new property, which includes fire insurance.
I suppose you can see where this is going. About six months later, Joe files a claim with his insurance company claiming that his precious cigars were lost in a "series of very small fires". The insurance company refuses to pay and the case goes to court. A judge looks at the insurance policy and finds that as the policy did indeed cover loss by fire and didnt have any clauses which the company could use to get around it, they had to pay.
Now, if you were the insurance company, what would you do?
Joe Smith buys a box of top quality expensive cigars worth 10,000 dollars US. In order to protect his new "investment" he buys a standard insurance policy for his new property, which includes fire insurance.
I suppose you can see where this is going. About six months later, Joe files a claim with his insurance company claiming that his precious cigars were lost in a "series of very small fires". The insurance company refuses to pay and the case goes to court. A judge looks at the insurance policy and finds that as the policy did indeed cover loss by fire and didnt have any clauses which the company could use to get around it, they had to pay.
Now, if you were the insurance company, what would you do?