Question 18 (1 point) When you apply for insurance a) Getting the insurance agent to fill in the application form on your behalf will protect you from any claim that you have misrepresented the risks. Ob) It is legally acceptable for you not to disclose certain risks, if disclosure would result in a premium that is more than you can afford. There is a common law duty on the insurance company to check on the validity of your disclosures before accepting you as a customer, and once they have done so you are protected from a claim for misrepresentation. Od You have a common law duty of utmost good faith and a statutory duty to disclose risk situations to the insurance company