A State Auto Insurance Co. rep by the name of Mike Rowe (presumably not of Dirty Jobs fame) never felt great about taking on a client who loved fireworks. Every 4th of July, he would worry that he was going to get a costly phone call. Of course, one year, the call came.
The client had put several thousand dollars of fireworks in his trunk and started to drive towards a field where he could set them off. He never got to the field, as he decided to smoke a cigarette, and then toss the cigarette out his car window. He survived, but his fireworks show didn't. [via Claims Journal]