For each of the following scenarios, indicate what law or legal principle prohibits the scenario from occurring. 

1. You have a medical injury due to a car accident and you make claims to both your health insurer and your automobile insurer in order to get double recovery.
2. You purchase life insurance on your sickly 90-year old neighbor with yourself as the beneficiary. He dies and you make a claim.
3. You fail to disclose information regarding your rheumatoid arthritis condition when you apply for health insurance. You later request coverage for a hip replacement surgery.
4. You purchase automobile liability insurance. You later have an accident that was your fault and your insurer denies the claim noting a small clause in the contract that excludes coverage for any accidents caused by the insure