A cowboy went to an insurance agency to buy a policy. The agent asked, "Have you ever had an accident?"
"Nope," replied the cowboy. "Last summer, a bronc kicked in two of my ribs, and a couple of years ago, a rattlesnake bit me on the ankle."
"Wouldn't you call those accidents?" quizzed the puzzled agent.
"Naw," the cowboy replied. "They did it on purpose!"
hhahaha great reply from cowboy
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