i've done that as well
i got my first zippo when i was 16
the 3rd day i had it i managed to realllllly overfill it
i was sittin at the park with all my friends when someone noticed a big wet spot in my jeans
I assumed it was mt dew or sweat or something...totally forgetting about the zippo in my pocket
i grabbed my friends lighter (it was laying right there) and lit it, then proceeded to move the flame around the wetspot (in hopes of drying it)
after about 2 seconds my pants went up in flames
i stood up to run around and scream like a girl which made the lighter fluid ran down my leg and make the flame bigger
in a mad panic trying to put out the flames, somehow the flames got really close to the 'line of scrimage'
my last resort was to lose my pants, which i did
i felt like a real retard afterwords, considering there was big water fountain about 15 feet away...plus everyone there had a bottle of soda or water
i still have the zippo (but no longer smoke)
and i still can't grow hair on my right nut