A client calls up his insurance agent and tells him he needs to file a claim.
The agent says “Tell me what happened?”
The client tells him and the agent says “I’m sorry but that’s not covered.”
The client says “well, let me explain better what happened.”
The agent says “I´m sorry but that´s not covered either.”
The client says ” I´ll tell you what, you tell me what´s covered and I´ll tell you how it happened!”