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Insurance Law
Student’s Name
Institutional Affiliation
Course
Instructor
Date
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Jennifer Vs Insurance Company
Instances of contractual disputes are common in insurance law, and often, the parties
involved take legal action, believing they have been short-changed (Insurance Information
Institute, 2023). In the case of Jennifer, various principles of insurance law come into play, with
the principle of utmost good faith being the most notable. This principle requires that the
involved parties not mislead each other and provide relevant information on the risk being
covered and the policy terms (Bunni, N., & Bunni, L., 2022). There is also the principle of
proximate cause, in which the insurer must cover the risks that occur due to a particular cause. In
Jennifer’s case, the risk covered is damage to her property; however, there is a dispute on the
actual cause of the damage, with the insurer citing negligence while the insured argument is that
of a genuine pipe-burst accident.
A legally enforceable contract has six essential elements, which include offer,
acceptance, awareness, consideration, capacity and legality (Sam Houston State University, n.d.).
In Jennifer’s case, the …
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