A man was driving too fast on a hilly country road. On one side of the road was farmland. On the other, an exotic wildlife reserve. Over the crest of the next hill, a duck flew onto the road to catch a lizard. Down a little way further, a pig came out of the field and began to cross the road. As the car came over the hilltop, the man swerved to avoid the duck, struck the pig a glancing blow, then careened off the road, through the fence into the wildlife preserve. The car bounced to a stop in front of an elephant who was not amused by this rude interruption and charged the car. The man survived the ordeal, but when it came time to renew his insurance, no one would sell him a policy.