In June,Ken developed glaucoma,a condition of the eyes that if untreated results in blindness.By August,Ken was legally blind,yet he continued to drive.He informed neither the Ministry of Transportation nor his insurance company of the changed condition of his eyes.On September 12,he got into a serious automobile accident where he was driving and was at fault.Will the insurance company need to pay this claim?

Question

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The insurance company will not need to pay this claim because Ken did not inform them of the change in risk due to his glaucoma. The principle of "utmost good faith" requires that the insured must disclose any information that could affect the risk being insured. Since Ken did not disclose his glaucoma, the insurer was not able to properly assess the risk and set appropriate premiums or coverage. Therefore, the insurance policy is void and the insurer will not need to pay the claim.

In June,Ken Developed Glaucoma,a Condition of the Eyes That If