The doctrine of utmost good faith in insurance contracting means that:
Explanation
Because the insurer prices a risk it cannot see, the applicant is expected to disclose material facts honestly and the insurer is expected to deal fairly in its wording and its claim handling. Investigating a claim is a right, not a breach of good faith, so the answer forbidding investigation is wrong. Fixing an answer only after the loss arrives is the opposite of good faith at the time of contracting.
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