Hi, I have been playing around with web design for a few years and know what you are talking about. It is just like the Pop ups and the piggyback ads, they are crappy for everyone but some wise guys have found a new way to make a few bucks. Most of the time it's at the advertiser's expence or the Webmaster's.
I don't know of a way to stop the mouse over Ads except to keep your mouse off of it. When I see pop ups or this on a site I send a real nasty email to the webmaster about his site then I tello others not to go there,.
Good luck.

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