Billy Joe came visitin' up north, and decided he wanted to do something he could never do in the south... SNOW SKIING.

Unfortunately, before he ever made it UP the hill so he could try and come DOWN the hill, he was knocked unconscious by the chairlift.

He called his insurance company from the hospital, but they said they were refusing to cover the injury.

"WHAT?!" yelled Billy Joe into the phone. "And why wouldn't you cover an injury like this?"

"You got hit in the head by a chairlift," the insurance rep said. "That makes you an idiot... and we consider that to be pre-existing condition."