I agree that the "utmost good faith" angle has to extend both ways, it's just that in my experience (and that of many others, at least here Britain) the insurance companies have little to no idea of the concept of good faith.
Sorry if I seem a little harsh, but having had a recent dispute which was never properly resolved (aided by lawyers who gave misinformation and a so-called "justice" system that's only interested in extracting money), I'm not feeling especially charitable toward them!
[This message has been edited by pauluk (edited 12-13-2001).]
