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Sometimes Quotes Chimp are dishonest by keeping quiet. Since an insurance contract is a contract of utmost good faith, failure to reveal a matter material to the underwriting decision of the insurance company may again be grounds for loss of benefits. For example, if you know that a forest fire is heading toward your house, you can\'t call a property insurance agent, get an agreement for immediate coverage (see \"Where Does Coverage Begin?\" below), and expect to collect benefits when your house burns down. That just wouldn\'t be cricket.