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HIGH COURT MALAYA PULAU PINANG
LIBERTY INSURANCE BERHAD – Appellant
Versus
KOAY GHEE SEONG & ORS – Respondent
| Table of Content |
|---|
| 1. judicial declaration sought by insurance company. (Para 1 , 2) |
| 2. innocent third party severely injured. (Para 3) |
| 3. court's conclusion and order issued. (Para 4) |
| 4. insurance policy background and key events. (Para 5 , 6 , 7 , 10) |
| 5. plaintiff's allegations on non-disclosure. (Para 11 , 12 , 13) |
| 6. discussion on insurable interest and disclosure. (Para 14 , 15) |
| 7. compulsory insurance as social protection. (Para 16 , 17) |
| 8. preserving third-party rights in insurance. (Para 18 , 19 , 20) |
| 9. case law supporting innocent third parties. (Para 21) |
| 10. insurer cannot avoid liability for non-disclosure. (Para 22 , 23) |
| 11. uberrimae fidei doctrine does not impact third parties. (Para 24 , 25) |
| 12. courts recognize validity of policies despite non-disclosure. (Para 27 , 28 , 29) |
| 13. insurer's duties before issuing policies. (Para 30 , 31 , 32) |
| 14. prudent insurer must verify information. (Para 36) |
| 15. new statutory disclosure requirements established. (Para 37 , 38 , 39) |
| 16. insurer must comply with verification duties. (Para 40 , 41 , 42 , 43) |
| 17. case law affirms duties for both insurers and insureds. (Para 44 , 45) |
| 18. non-disclosure claims waived due to insurer fault. (Para 46 , 49 , |
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