{"id":56409,"date":"2019-06-19T10:04:56","date_gmt":"2019-06-19T04:34:56","guid":{"rendered":"https:\/\/www.legalindia.com\/news\/?p=56409"},"modified":"2019-06-19T10:04:56","modified_gmt":"2019-06-19T04:34:56","slug":"cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court","status":"publish","type":"post","link":"https:\/\/www.legalindia.com\/news\/cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court","title":{"rendered":"Cannot Burden Insurer To Follow Up An Inadequate Disclosure Of Material Facts By The Insured: Supreme Court"},"content":{"rendered":"<p>The Supreme Court has observed that it is duty of the insured while making the proposal to make a clear and specific disclosure of material facts and that the insurer cannot be burdened to follow up an inadequate disclosure. As per the relevant policy in this case (Oriental Insurance Company Ltd. vs. Mahendra Construction), the details of claims lodged during the preceding three years were required to be disclosed but were not furnished by the insured. The Insurance Company repudiated the claim.<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2019\/06\/download-2019-06-19T100417.066.jpg?ssl=1\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"276\" height=\"183\" data-attachment-id=\"56410\" data-permalink=\"https:\/\/www.legalindia.com\/news\/cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court\/download-2019-06-19t100417-066\" data-orig-file=\"https:\/\/i0.wp.com\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2019\/06\/download-2019-06-19T100417.066.jpg?fit=276%2C183&amp;ssl=1\" data-orig-size=\"276,183\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"download &amp;#8211; 2019-06-19T100417.066\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2019\/06\/download-2019-06-19T100417.066.jpg?fit=276%2C183&amp;ssl=1\" class=\"alignleft size-full wp-image-56410\" src=\"https:\/\/i0.wp.com\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2019\/06\/download-2019-06-19T100417.066.jpg?resize=276%2C183&#038;ssl=1\" alt=\"\" srcset=\"https:\/\/i0.wp.com\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2019\/06\/download-2019-06-19T100417.066.jpg?w=276&amp;ssl=1 276w, https:\/\/i0.wp.com\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2019\/06\/download-2019-06-19T100417.066.jpg?resize=150%2C100&amp;ssl=1 150w\" sizes=\"auto, (max-width: 276px) 100vw, 276px\" \/><\/a>The National Consumer Commission (NCDRC), in this case, observed that as the previous insurance policy was annexed to the proposal, the insurer could have known of the claims lodged with the previous insurer on making an enquiry. It was held that if there was a nondisclosure of information under paragraph 25(g), the insurer could have returned the proposal. According to NCDRC, the insurer could have discovered the true state of facts with the exercise of ordinary diligence and thus was not justified in repudiating the claim.<\/p>\n<p>The National Consumer Commission (NCDRC), in this case, observed that as the previous insurance policy was annexed to the proposal, the insurer could have known of the claims lodged with the previous insurer on making an enquiry. It was held that if there was a nondisclosure of information under paragraph 25(g), the insurer could have returned the proposal. According to NCDRC, the insurer could have discovered the true state of facts with the exercise of ordinary diligence and thus was not justified in repudiating the claim.<\/p>\n<p>Disagreeing with this approach of the commission, the bench comprising Justice DY Chandrachud and Justice Hemant Gupta, on appeal filed by the insurance company said that the insurance is governed by the principle of utmost good faith, which imposes a duty of disclosure on the insured with regard to material facts. The court said &#8220;The burden cannot be cast upon the insurer to follow up on an inadequate disclosure by conducting a line of enquiry with the previous insurer in regard to the nature of the claims, if any, that were made under the earlier insurance policy. On the contrary, it was the plain duty of the respondent while making the proposal to make a clear and specific disclosure. The insurance policy with New India Assurance Company Limited was for the period from 15 November 2004 to 14 November 2005. The excavator remained uninsured from 15 November 2005 until 10 October 2006. The case of the respondent was that during that period, it was under repair. This fact, together with the receipt of the earlier insurance claim, was material to the decision of the insurer on whether to accept the proposal for insurance. The disclosures which were required in paragraph 25(g) of the proposal form were material to assess the risk profile of the vehicle at the time of accepting the proposal for insurance&#8221; Allowing the appeal, the bench held that the insured was under an obligation to make a full disclosure of the status of the previous insurance policy.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Supreme Court has observed that it is duty of the insured while making the proposal to make a clear and specific disclosure of material facts and that the insurer cannot be burdened to follow up an inadequate disclosure. As per the relevant policy in this case (Oriental Insurance Company Ltd. vs. Mahendra Construction), the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":56410,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[90],"tags":[3411,44801],"class_list":["post-56409","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bar-bench-firm-news","tag-insurance","tag-material-facts"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cannot Burden Insurer To Follow Up An Inadequate Disclosure Of Material Facts By The Insured: Supreme Court - Legal News India - Supreme Court &amp; High Court Updates<\/title>\n<meta name=\"description\" content=\"The Supreme Court has observed that it is duty of the insured while making the proposal to make a clear and specific disclosure of material facts and that - Get the latest legal news from the Supreme Court, High Courts, and government. Essential updates on judgements, acts, and in-depth analysis for lawyers, advocates, and law students in India.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.legalindia.com\/news\/cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cannot Burden Insurer To Follow Up An Inadequate Disclosure Of Material Facts By The Insured: Supreme Court - Legal News India - Supreme Court &amp; High Court Updates\" \/>\n<meta property=\"og:description\" content=\"The Supreme Court has observed that it is duty of the insured while making the proposal to make a clear and specific disclosure of material facts and that - Get the latest legal news from the Supreme Court, High Courts, and government. Essential updates on judgements, acts, and in-depth analysis for lawyers, advocates, and law students in India.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.legalindia.com\/news\/cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court\" \/>\n<meta property=\"og:site_name\" content=\"Legal News India - Supreme Court &amp; High Court Updates\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/LegalindiaCom\/\" \/>\n<meta property=\"article:published_time\" content=\"2019-06-19T04:34:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2019\/06\/download-2019-06-19T100417.066.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"276\" \/>\n\t<meta property=\"og:image:height\" content=\"183\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Legal India Admin\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Legal India Admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.legalindia.com\\\/news\\\/cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.legalindia.com\\\/news\\\/cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court\"},\"author\":{\"name\":\"Legal India Admin\",\"@id\":\"https:\\\/\\\/www.legalindia.com\\\/news\\\/#\\\/schema\\\/person\\\/0bfdffe9059fb8bb24a86d094609c5ea\"},\"headline\":\"Cannot Burden Insurer To Follow Up An Inadequate Disclosure Of Material Facts By The Insured: Supreme Court\",\"datePublished\":\"2019-06-19T04:34:56+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.legalindia.com\\\/news\\\/cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court\"},\"wordCount\":513,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.legalindia.com\\\/news\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.legalindia.com\\\/news\\\/cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/www.legalindia.com\\\/news\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2019\\\/06\\\/download-2019-06-19T100417.066.jpg?fit=276%2C183&ssl=1\",\"keywords\":[\"insurance\",\"material facts\"],\"articleSection\":[\"Bar, Bench &amp; Firm News\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.legalindia.com\\\/news\\\/cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.legalindia.com\\\/news\\\/cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court\",\"url\":\"https:\\\/\\\/www.legalindia.com\\\/news\\\/cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court\",\"name\":\"Cannot Burden Insurer To Follow Up An Inadequate Disclosure Of Material Facts By The Insured: Supreme Court - Legal News India - Supreme Court &amp; High Court Updates\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.legalindia.com\\\/news\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.legalindia.com\\\/news\\\/cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.legalindia.com\\\/news\\\/cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/www.legalindia.com\\\/news\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2019\\\/06\\\/download-2019-06-19T100417.066.jpg?fit=276%2C183&ssl=1\",\"datePublished\":\"2019-06-19T04:34:56+00:00\",\"description\":\"The Supreme Court has observed that it is duty of the insured while making the proposal to make a clear and specific disclosure of material facts and that - Get the latest legal news from the Supreme Court, High Courts, and government. Essential updates on judgements, acts, and in-depth analysis for lawyers, advocates, and law students in India.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.legalindia.com\\\/news\\\/cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.legalindia.com\\\/news\\\/cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.legalindia.com\\\/news\\\/cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court#primaryimage\",\"url\":\"https:\\\/\\\/i0.wp.com\\\/www.legalindia.com\\\/news\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2019\\\/06\\\/download-2019-06-19T100417.066.jpg?fit=276%2C183&ssl=1\",\"contentUrl\":\"https:\\\/\\\/i0.wp.com\\\/www.legalindia.com\\\/news\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2019\\\/06\\\/download-2019-06-19T100417.066.jpg?fit=276%2C183&ssl=1\",\"width\":276,\"height\":183},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.legalindia.com\\\/news\\\/cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.legalindia.com\\\/news\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Bar, Bench &amp; Firm News\",\"item\":\"https:\\\/\\\/www.legalindia.com\\\/news\\\/category\\\/bar-bench-firm-news\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Cannot Burden Insurer To Follow Up An Inadequate Disclosure Of Material Facts By The Insured: Supreme Court\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.legalindia.com\\\/news\\\/#website\",\"url\":\"https:\\\/\\\/www.legalindia.com\\\/news\\\/\",\"name\":\"Legal News India - Supreme Court & High Court Updates\",\"description\":\"Get the latest legal news from the Supreme Court, High Courts, and government. Essential updates on judgements, acts, and in-depth analysis for lawyers, advocates, and law students in India.\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.legalindia.com\\\/news\\\/#organization\"},\"alternateName\":\"Legal News India for Advocates, Lawyers & Law Students\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.legalindia.com\\\/news\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.legalindia.com\\\/news\\\/#organization\",\"name\":\"Legal News India: Supreme Court, High Courts & Govt Updates\",\"alternateName\":\"Legal News India for Advocates, Lawyers & Law Students\",\"url\":\"https:\\\/\\\/www.legalindia.com\\\/news\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.legalindia.com\\\/news\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/i0.wp.com\\\/www.legalindia.com\\\/news\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2018\\\/05\\\/538552_367793346590451_81997783_n.jpg?fit=250%2C250&ssl=1\",\"contentUrl\":\"https:\\\/\\\/i0.wp.com\\\/www.legalindia.com\\\/news\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2018\\\/05\\\/538552_367793346590451_81997783_n.jpg?fit=250%2C250&ssl=1\",\"width\":250,\"height\":250,\"caption\":\"Legal News India: Supreme Court, High Courts & Govt Updates\"},\"image\":{\"@id\":\"https:\\\/\\\/www.legalindia.com\\\/news\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/LegalindiaCom\\\/\",\"https:\\\/\\\/x.com\\\/Legal_india\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.legalindia.com\\\/news\\\/#\\\/schema\\\/person\\\/0bfdffe9059fb8bb24a86d094609c5ea\",\"name\":\"Legal India Admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/4faa9d728ed1af3b73d52225c7f12901ac726fe6f7ea0a3348a1d51f3a930987?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/4faa9d728ed1af3b73d52225c7f12901ac726fe6f7ea0a3348a1d51f3a930987?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/4faa9d728ed1af3b73d52225c7f12901ac726fe6f7ea0a3348a1d51f3a930987?s=96&d=mm&r=g\",\"caption\":\"Legal India Admin\"},\"sameAs\":[\"https:\\\/\\\/www.legalindia.com\",\"https:\\\/\\\/x.com\\\/legaliadmin\"],\"url\":\"https:\\\/\\\/www.legalindia.com\\\/news\\\/author\\\/legal-india-admin\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Cannot Burden Insurer To Follow Up An Inadequate Disclosure Of Material Facts By The Insured: Supreme Court - Legal News India - Supreme Court &amp; High Court Updates","description":"The Supreme Court has observed that it is duty of the insured while making the proposal to make a clear and specific disclosure of material facts and that - Get the latest legal news from the Supreme Court, High Courts, and government. Essential updates on judgements, acts, and in-depth analysis for lawyers, advocates, and law students in India.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.legalindia.com\/news\/cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court","og_locale":"en_US","og_type":"article","og_title":"Cannot Burden Insurer To Follow Up An Inadequate Disclosure Of Material Facts By The Insured: Supreme Court - Legal News India - Supreme Court &amp; High Court Updates","og_description":"The Supreme Court has observed that it is duty of the insured while making the proposal to make a clear and specific disclosure of material facts and that - Get the latest legal news from the Supreme Court, High Courts, and government. Essential updates on judgements, acts, and in-depth analysis for lawyers, advocates, and law students in India.","og_url":"https:\/\/www.legalindia.com\/news\/cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court","og_site_name":"Legal News India - Supreme Court &amp; High Court Updates","article_publisher":"https:\/\/www.facebook.com\/LegalindiaCom\/","article_published_time":"2019-06-19T04:34:56+00:00","og_image":[{"width":276,"height":183,"url":"https:\/\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2019\/06\/download-2019-06-19T100417.066.jpg","type":"image\/jpeg"}],"author":"Legal India Admin","twitter_misc":{"Written by":"Legal India Admin","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.legalindia.com\/news\/cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court#article","isPartOf":{"@id":"https:\/\/www.legalindia.com\/news\/cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court"},"author":{"name":"Legal India Admin","@id":"https:\/\/www.legalindia.com\/news\/#\/schema\/person\/0bfdffe9059fb8bb24a86d094609c5ea"},"headline":"Cannot Burden Insurer To Follow Up An Inadequate Disclosure Of Material Facts By The Insured: Supreme Court","datePublished":"2019-06-19T04:34:56+00:00","mainEntityOfPage":{"@id":"https:\/\/www.legalindia.com\/news\/cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court"},"wordCount":513,"commentCount":0,"publisher":{"@id":"https:\/\/www.legalindia.com\/news\/#organization"},"image":{"@id":"https:\/\/www.legalindia.com\/news\/cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2019\/06\/download-2019-06-19T100417.066.jpg?fit=276%2C183&ssl=1","keywords":["insurance","material facts"],"articleSection":["Bar, Bench &amp; Firm News"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.legalindia.com\/news\/cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.legalindia.com\/news\/cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court","url":"https:\/\/www.legalindia.com\/news\/cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court","name":"Cannot Burden Insurer To Follow Up An Inadequate Disclosure Of Material Facts By The Insured: Supreme Court - Legal News India - Supreme Court &amp; High Court Updates","isPartOf":{"@id":"https:\/\/www.legalindia.com\/news\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.legalindia.com\/news\/cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court#primaryimage"},"image":{"@id":"https:\/\/www.legalindia.com\/news\/cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2019\/06\/download-2019-06-19T100417.066.jpg?fit=276%2C183&ssl=1","datePublished":"2019-06-19T04:34:56+00:00","description":"The Supreme Court has observed that it is duty of the insured while making the proposal to make a clear and specific disclosure of material facts and that - Get the latest legal news from the Supreme Court, High Courts, and government. Essential updates on judgements, acts, and in-depth analysis for lawyers, advocates, and law students in India.","breadcrumb":{"@id":"https:\/\/www.legalindia.com\/news\/cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.legalindia.com\/news\/cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.legalindia.com\/news\/cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court#primaryimage","url":"https:\/\/i0.wp.com\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2019\/06\/download-2019-06-19T100417.066.jpg?fit=276%2C183&ssl=1","contentUrl":"https:\/\/i0.wp.com\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2019\/06\/download-2019-06-19T100417.066.jpg?fit=276%2C183&ssl=1","width":276,"height":183},{"@type":"BreadcrumbList","@id":"https:\/\/www.legalindia.com\/news\/cannot-burden-insurer-to-follow-up-an-inadequate-disclosure-of-material-facts-by-the-insured-supreme-court#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.legalindia.com\/news\/"},{"@type":"ListItem","position":2,"name":"Bar, Bench &amp; Firm News","item":"https:\/\/www.legalindia.com\/news\/category\/bar-bench-firm-news"},{"@type":"ListItem","position":3,"name":"Cannot Burden Insurer To Follow Up An Inadequate Disclosure Of Material Facts By The Insured: Supreme Court"}]},{"@type":"WebSite","@id":"https:\/\/www.legalindia.com\/news\/#website","url":"https:\/\/www.legalindia.com\/news\/","name":"Legal News India - Supreme Court & High Court Updates","description":"Get the latest legal news from the Supreme Court, High Courts, and government. Essential updates on judgements, acts, and in-depth analysis for lawyers, advocates, and law students in India.","publisher":{"@id":"https:\/\/www.legalindia.com\/news\/#organization"},"alternateName":"Legal News India for Advocates, Lawyers & Law Students","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.legalindia.com\/news\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.legalindia.com\/news\/#organization","name":"Legal News India: Supreme Court, High Courts & Govt Updates","alternateName":"Legal News India for Advocates, Lawyers & Law Students","url":"https:\/\/www.legalindia.com\/news\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.legalindia.com\/news\/#\/schema\/logo\/image\/","url":"https:\/\/i0.wp.com\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2018\/05\/538552_367793346590451_81997783_n.jpg?fit=250%2C250&ssl=1","contentUrl":"https:\/\/i0.wp.com\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2018\/05\/538552_367793346590451_81997783_n.jpg?fit=250%2C250&ssl=1","width":250,"height":250,"caption":"Legal News India: Supreme Court, High Courts & Govt Updates"},"image":{"@id":"https:\/\/www.legalindia.com\/news\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/LegalindiaCom\/","https:\/\/x.com\/Legal_india"]},{"@type":"Person","@id":"https:\/\/www.legalindia.com\/news\/#\/schema\/person\/0bfdffe9059fb8bb24a86d094609c5ea","name":"Legal India Admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/4faa9d728ed1af3b73d52225c7f12901ac726fe6f7ea0a3348a1d51f3a930987?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4faa9d728ed1af3b73d52225c7f12901ac726fe6f7ea0a3348a1d51f3a930987?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/4faa9d728ed1af3b73d52225c7f12901ac726fe6f7ea0a3348a1d51f3a930987?s=96&d=mm&r=g","caption":"Legal India Admin"},"sameAs":["https:\/\/www.legalindia.com","https:\/\/x.com\/legaliadmin"],"url":"https:\/\/www.legalindia.com\/news\/author\/legal-india-admin"}]}},"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2019\/06\/download-2019-06-19T100417.066.jpg?fit=276%2C183&ssl=1","jetpack_sharing_enabled":true,"jetpack-related-posts":[{"id":50089,"url":"https:\/\/www.legalindia.com\/news\/insurance-claim-cant-denied-due-delay-filing-sc","url_meta":{"origin":56409,"position":0},"title":"Insurance claim can&#8217;t be denied due to delay in filing it: SC","author":"Legal India Admin","date":"October 9, 2017","format":false,"excerpt":"Insurance claims cannot be rejected if the reason for delay in filing it is satisfactorily explained, the Supreme Court has said while granting relief to a man who was denied the claim for his stolen vehicle. A bench of Justices R K Agrawal and S Abdul Nazeer said that rejection\u2026","rel":"","context":"In &quot;Top Law News&quot;","block_context":{"text":"Top Law News","link":"https:\/\/www.legalindia.com\/news\/category\/top-law-news"},"img":{"alt_text":"Insurance claim can't be denied due to delay in filing it: SC","src":"https:\/\/i0.wp.com\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2017\/07\/mhc.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":47735,"url":"https:\/\/www.legalindia.com\/news\/courts-take-pragmatic-view-rights-consumers-sc","url_meta":{"origin":56409,"position":1},"title":"Courts should take pragmatic view of rights of consumers: SC","author":"Legal India Admin","date":"April 9, 2017","format":false,"excerpt":"It is necessary for courts to take a \"pragmatic view\" of the rights of consumers in disputes concerning them since customers are at a disadvantage as compared to service providers, the Supreme Court has said. The court noted that Parliament had enacted the Consumer Protection Act, 1986 and provision of\u2026","rel":"","context":"In &quot;Consumer Law News&quot;","block_context":{"text":"Consumer Law News","link":"https:\/\/www.legalindia.com\/news\/category\/consumer-law-news"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2017\/04\/rights-of-consumer.jpg?fit=1200%2C675&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2017\/04\/rights-of-consumer.jpg?fit=1200%2C675&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2017\/04\/rights-of-consumer.jpg?fit=1200%2C675&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2017\/04\/rights-of-consumer.jpg?fit=1200%2C675&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2017\/04\/rights-of-consumer.jpg?fit=1200%2C675&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":52531,"url":"https:\/\/www.legalindia.com\/news\/mact-absolves-insurance-firm-claimants-file-fake-policy-number","url_meta":{"origin":56409,"position":2},"title":"MACT absolves insurance firm as claimants file fake policy number","author":"Legal India Admin","date":"April 26, 2018","format":false,"excerpt":"An additional zero in the insurance policy number made all the difference when the Thane Motor Accident Claims Tribunal (MACT) settled a claim filed before it for a minor girl's death. Finding the policy number with the additional zero as fake, MACT member and district judge K D Vadane absolved\u2026","rel":"","context":"In &quot;Top Law News&quot;","block_context":{"text":"Top Law News","link":"https:\/\/www.legalindia.com\/news\/category\/top-law-news"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2018\/04\/mact-1.jpg?fit=702%2C229&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2018\/04\/mact-1.jpg?fit=702%2C229&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2018\/04\/mact-1.jpg?fit=702%2C229&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2018\/04\/mact-1.jpg?fit=702%2C229&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":42796,"url":"https:\/\/www.legalindia.com\/news\/good-health-fundamental-right-delhi-court","url_meta":{"origin":56409,"position":3},"title":"Good health is fundamental right: Delhi Court","author":"Legal India News","date":"May 1, 2016","format":false,"excerpt":"\"Good health is a justiciable fundamental right\", a\u00a0Delhi court has said while observing that Prime Minister Narendra Modi's ambitious project for health\u00a0insurance cover for everyone would bring about an \"evolution\" in India's health insurance model. The court's observations came while pulling up the United India Insurance Company Ltd, a Public\u2026","rel":"","context":"In &quot;Top Law News&quot;","block_context":{"text":"Top Law News","link":"https:\/\/www.legalindia.com\/news\/category\/top-law-news"},"img":{"alt_text":"Good health is fundamental right: Delhi Court","src":"https:\/\/i0.wp.com\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2016\/03\/medium300_225-300x225.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":47533,"url":"https:\/\/www.legalindia.com\/news\/ncdrc-allows-shipping-firmss-insurance-claim-rs-1-93-cr","url_meta":{"origin":56409,"position":4},"title":"NCDRC allows shipping firms&#8217;s insurance claim of Rs 1.93 cr","author":"Legal India Admin","date":"March 26, 2017","format":false,"excerpt":"The apex consumer commission has directed an insurance company to pay over Rs 1.93 crore to a shipping firm for repair of one of its vessels which was damaged while sailing in bad weather. The New India Assurance Private Company Ltd, with whom the vessel is insured, had rejected the\u2026","rel":"","context":"In &quot;Top Law News&quot;","block_context":{"text":"Top Law News","link":"https:\/\/www.legalindia.com\/news\/category\/top-law-news"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.legalindia.com\/news\/wp-content\/uploads\/sites\/2\/2017\/03\/NCDRC.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":21693,"url":"https:\/\/www.legalindia.com\/news\/consumer-court-death-due-to-doctors-negligent-act-is-an-accident","url_meta":{"origin":56409,"position":5},"title":"Consumer Court: Death due to doctor&#8217;s negligent act is an accident","author":"Legal India Admin","date":"July 12, 2012","format":false,"excerpt":"Doctor\u2019s rash or negligent act resulting in death amounts to an accident apex consumer panel has held while making the victim entitled to the accidental death benefits from his or her insurer. \u00a0The National Consumer Disputes Redressal Forum (NCDRC) gave the ruling while ordering the Life Insurance Corporation (LIC) of\u2026","rel":"","context":"In &quot;Top Law News&quot;","block_context":{"text":"Top Law News","link":"https:\/\/www.legalindia.com\/news\/category\/top-law-news"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"jetpack_shortlink":"https:\/\/wp.me\/p6H5Bf-eFP","jetpack_likes_enabled":true,"_links":{"self":[{"href":"https:\/\/www.legalindia.com\/news\/wp-json\/wp\/v2\/posts\/56409","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.legalindia.com\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.legalindia.com\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.legalindia.com\/news\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.legalindia.com\/news\/wp-json\/wp\/v2\/comments?post=56409"}],"version-history":[{"count":0,"href":"https:\/\/www.legalindia.com\/news\/wp-json\/wp\/v2\/posts\/56409\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.legalindia.com\/news\/wp-json\/wp\/v2\/media\/56410"}],"wp:attachment":[{"href":"https:\/\/www.legalindia.com\/news\/wp-json\/wp\/v2\/media?parent=56409"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.legalindia.com\/news\/wp-json\/wp\/v2\/categories?post=56409"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.legalindia.com\/news\/wp-json\/wp\/v2\/tags?post=56409"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}