有个真实的美国法庭个案:有位律师买了一盒极稀有的高级雪茄,还为二十四支雪茄投保了火险。他在一个月内把这些顶级雪茄抽完了,保险费一毛没缴,却提出要保险公司赔偿。他亲自写申诉书,说:雪茄在“一连串的小火”中受损。保险公司当然不愿意赔偿,理由是:投保人是以正常方式抽完雪茄,而不是遭遇火灾。结果那律师赢了这场官司。法官在判决时表示:他同意保险公司的说法,认为此项申诉非常荒谬,但是该律师手上的确有保险公司同意承保的保单,保证赔偿任何火险,且没有明确指出何类“火”不在保险范围内。因此,保 There is a real case of a U.S. court: a solicitor bought a box of extremely rare premium cigars and also insured twenty-four cigars. He smoked these top cigars within a month, but did not pay the premiums. Instead, he proposed compensation for the insurance companies. He wrote the petition in person and said that the cigar was damaged in a series of small fires. The insurer, of course, is reluctant to pay compensation on the grounds that the insured person smoked cigars in the normal way instead of in a fire. The lawyer won the lawsuit. In his judgment, the judge said: He agreed with the insurance company that the complaint was ridiculous. However, the lawyer did have insurance companies agreeing to underwrite the insurance policy and guaranteeing compensation for any fire insurance without specifying exactly what type of “fire” Not covered by insurance. Therefore, Paul