Please help me with the following question. Thank you very much.

16. For each of the following scenarios, indicate what law or legal principle prohibits the scenario from occurring. (4 points)

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