2411. In damage insurance, unless the bad faith of the client is established or unless it is established that the insurer would not have covered the risk if he had known the facts, the insurer remains liable to the insured for such proportion of the indemnity as the premium he collected bears to the premium he should have collected.
1991, c. 64, a. 2411; I.N. 2014-05-01; I.N. 2015-11-01.