A cowboy walked into a Texas insurance company storefront one day and inquired about buying insurance. The agent went down the list of standard questions.
"Ever have an accident?" the agent asked.
"Nope, nary a one," the cowboy answered.
"None? You've never had any accidents?" the agent asked.
"Nope. Ain't never had one. Never," the cowboy repeated.
"That's hard to believe. No accidents at all?" the agent asked.
"Well, a rattler bit me one time." the cowboy admitted.
"Wouldn't you consider that an accident?" the agent asked.
"Hell no!" the cowboy answered. "Damned varmint bit me on purpose!"