Steve Has a Car Insurance Policy That Provides Full Coverage

Steve has a car insurance policy that provides full coverage.Steve was involved in an accident recently that resulted in significant damage to his car,and he also received some bruises.Steve suspected he was partly at fault and decided not to report the accident to his insurance company.Steve made a small payment to the other driver involved,who did not have insurance.Steve also paid to have his own car repaired.Several months later,Steve receives a summons and has been sued by the other driver for $200,000.Steve also learns at about the same time that he has an internal injury that will require surgery to correct.Steve notifies his insurance company about the accident,the amounts he has spent in connection with it,and the lawsuit.Steve is afraid that his insurance company will cancel his insurance if it learns too much about the accident or learns about Steve's eyesight problem,which he did not mention on his application with the company four years ago.Thus,he has been avoiding the insurance company's phone calls and requests for information about the accident.However,Steve believes the company has an obligation to reimburse him and defend the suit.Discuss the legal issues involved.