An insurance agent approaches a cowboy, trying to sell him an accident policy.
The agent inquires, “Have you ever had an accident?”
“Never,” the cowboy responds. “However, just recently a horse kicked in two of my ribs, and back a couple years ago a rattlesnake bit my ankle.”
“Wouldn’t you call these accidents?” says the puzzled agent.
“Nah,” the cowboy replies. “They both did it on purpose!”