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Oscar is applying for health insurance, and writes on the application that he does not smoke, even though he does have a few cigarettes each day. This is an example of:

I had strange issue happen a few days ago. We have a sloped driveway. My wife returned home early afternoon and parked at the garage door. It was raining. We went to a movie and returned in the rain around 8:30 PM with my car and parked beside her car. There was no ice on the driveway just some slush. Between 10:30 PM and Midnight, the rain froze to solid ice and my driveway became a sheet of ice. My wifes parked car slid 40' down the driveway (in gear, e-brake and locked) sideswiping another car and causing $6-8K damage to both cars. The insurance says its collision insurance.