What Is the Legal Test for Determining Whether an Insured

question 43

Multiple Choice

What is the legal test for determining whether an insured had an obligation to disclosure a particular fact to the insurer?

• A)Whether withholding the information breached the doctrine of utmost good faith.
• B)Whether withholding the information breached the insurable interest.
• C)Whether withholding the information constituted a breach of the insurance policy.
• D)Whether withholding the information have influenced the insurer's decision to decline the risk or stipulate a higher premium.
• E)None of the responses are correct.

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Definitions:

Ethnic Origin

A background or heritage shared by a group of people, often linked to nationality, race, or culture.

Sociocultural Factors

Are elements that impact an individual's life and behavior, including cultural norms, values, practices, and social contexts.

Physical Growth

The increase in size, height, and weight of an individual, as a result of the body's cells increasing in number and size.

Bogin's Study

A research investigation carried out by anthropologist Barry Bogin that focuses on patterns of human growth and development, often emphasizing the impact of sociocultural factors.