Otieno took up insurance for his motor vehicle with AIP insurance for the year 2020 in early January. Three months later in April 2020 he was approached by Fidelity Insurance and was convinced to take up similar insurance for the same motor vehicle. He wanted to impress the lady selling him the insurance cover and so he decided to take up the insurance with fidelity. He however did not inform fidelity insurance about the fact that he was already insured with AIP insurance. He approaches you for advice when he is involved in an accident while driving his vehicle is involved in an accident.

Advise him on the issues and various legal principles arising.