Haha, wow you waste 24 thousands just for smoking...Now that's the reason why you shouldn't smoke at all !
Thats gotta suck! *in the prison... Prisoner: "so how did you get in here?" Smoker: "For smoking"* Lmfao
Wow. That's just plain great. He found a loop hole in their insurance, but they found an even better one. Although, you'd kind of figure that they would try to do something to get their money back and such.