What does uberrimae fidei require in insurance contracts?

What does uberrimae fidei require in insurance contracts?

• A. Both parties must disclose all material facts; misrepresentation or concealment can void coverage.
• B. Only the insured must disclose all material facts.
• C. Misrepresentation by the insured has no impact on coverage.
• D. The contract is valid even if material facts are concealed.

Answer: (C)