David Was Approved for Automobile Insurance Coverage Despite His History

question 51

Multiple Choice

David was approved for automobile insurance coverage despite his history of seizures.As it turns out,the insurance agent forgot to ask him about his medical history and David did not bother mentioning his seizures.What is the legal position of the insurer?

• A) The insurer is still bound to provide coverage because it did not ask David about his medical history.
• B) The insurer may deny coverage because applicants for insurance have a positive duty to disclose matters that would be relevant to the risk of accepting the application.
• C) The transactions is unconscionable and may be cancelled at the discretion of the insurer.
• D) The insurer may not cancel the contract but may increase David's premiums to reflect the additional risk he represents.

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Definitions:

Successful Interviews

Interviews that effectively assess qualifications and compatibility leading to positive outcomes, such as job offers or information gaining.

Interruptions

Disturbances or breaks in ongoing activities or processes.

Legal Terminology

The specialized vocabulary used in legal documents and proceedings, including terms of art, jargon, and phrases.

Communicating Effectively

The process of clearly conveying information, ideas, or feelings to others through verbal, written, or non-verbal means.