A cowboy was trying to buy an insurance policy. The insurance agent was going down the list of standard questions. "Ever had an accident?"

"Nope, nary a one."

"None? You've never had any accidents?"

"Nope. Ain't never had one. Never."

"That's hard to believe. No accidents at all?"

"Well, a rattler bit me one time."

"Wouldn't you consider that an accident?"

"Nope! The varmint bit me on purpose!"