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Ab Initio

Latin: from the start; from the beginning.

An insurer facing a claim from an insured who had deceived the insurer on a material fact, would claim that the insurance contract was void ab initio; that it was null and void from the get-go; that since there was at law no enforceable contract, the insurer ought not to have to pay.

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Unless otherwise noted, this article was written by Lloyd Duhaime, Barrister, Solicitor, Attorney and Lawyer (and Notary Public!). It is not intended to be legal advice and you would be foolhardy to rely on it in respect to any specific situation you or an acquaintance may be facing. In addition, the law changes rapidly and sometimes with little notice so from time to time, an article may not be up to date. Therefore, this is merely legal information designed to educate the reader. If you have a real situation, this information will serve as a good springboard to get legal advice from a lawyer.

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