A middle-class housewife urges her husband to get insurance. He claims insurance is expensive, but upon her pleading he buys insurance to please his wife. He signs the paperwork and listens to the shady insurer tell him what he's covered under and his benefits. The man buys the primium package of insurance offer.
Some-what happy the ordeal is over the man leaves early for work the next morning. Working construction the man works the scapling on top of a three story condo project. A strong gust blows by and the man loses his balance and falls. His safety harness gives way as he falls.
As he falls the man thinks, 'Good thing I got insurance! Cuz this is gonna hurt!' The man wakes up in a hospital to see his wife sitting next to him.
"Good thing you made me buy that insurance, huh?"
His wife smiled weakly. His doctor walked in and told the man he had two broken legs, a shattered hip, broken back and a fractured skull. He would require expensive surgery and extensive rehabilitation if he ever wanted to walk again.
The man smiled, "Well, good thing I bought insurance."
The doctor frowned. "I'm sorry to say that you are not covered under your insurance."
"What are you saying? I bought the damn insurance and now your telling me I'm not covered?"
"Surprisingly enough" the doctor stated, "your insurance only covered your fall."
"What!? I fell, I should be covered then."
"Well, I just spoke to your insurance company" the doctor said, "and they stated that your 'landing' was what in fact caused your injuries and informed us that you will not be covered."
What a twist of fate!