Chris was a very active member of the PTA. He found out through Facebook that last year's PTA President was very ill. Chris applied for life insurance on the that women's life and named herself as beneficiary. Because of a similarity in their names, an error was made, and the policy was issued.

That same day. Chris sold his 2012 Honda Civic to his neighbor's 19-year-old son, Bert. When Bert drove away, Chris's suspicions were confirmed - Bert was an extremely reckless driver. Chris decided not to cancel the insurance policy he had on that vehicle.

It did not take long before Bert totaled the car. And, within a month the woman who was last year's PTA President died. Chris filed for insurance benefits under both policies. Both insurance companies refused to pay. Chris then filed lawsuits against both insurance companies claiming he was entitled to payment. What is the likely outcome of both cases.