Half-naked motorist to cops: I lost my pants

Seems this guy in Rising Sun Maryland was pulled over by a policeman for speeding.  As it turns out the speeder had a shirt on but no pants.  He told the officer that he lost his pants.  

Things like this make me wonder.  For instance, how did he lose them?  I mean how do you lose your pants!  Also, when did he notice they were missing.  Was it while he was driving that he looked down and said, "Oh my word,  I don't have any pants on."

You can read the story for yourself at http://www.msnbc.msn.com/id/31795305/ns/us_news-weird_news/