Very few people take the time to read their insurance application or policy. You must first understand that an insurance policy is nothing more than a contract, between you and the insurance company. The insurance company agrees to provide coverage for the stated policy premium. Failure to pay your premium timely, or to comply with the provisions of the policy can result in cancellation or revocation of your policy.

Insurance companies have written into their policies, provisions that can be used to deny you coverage which come under the general requirement to cooperate. The Duty to Co-operate comes in many forms, the most basic is the requirement to report immediately when you have been involved in an accident, regardless of whether you were at fault or not.