“There are numerous decisions by Alabama's appellate courts to the effect that an insured's failure to cooperate absolves the insurer from its responsibilities under the policy. For example, in General Mut. Ins. Co. v. Dennis, 280 Ala. 434, 438, 194 So.2d 838, 841 (1967), the Supreme Court held that ‘[t]he cooperation clause, which the insurer has a perfect right to insist upon, and which will be enforced where the insurer shows that it has been breached, ... means that the insured must live up to his obligation under the contract and cooperate with the insurer, and ... it is inherent in the word “cooperation” as between the insured and the insurer that there be no collusion with the plaintiff.’ The Dennis case, however, was a suit brought by the insurer seeking only a declaratory judgment that it was under no further obligation to the insured.
"There are numerous decisions by Alabama's appellate courts to the effect that an insured's failure to cooperate absolves the insurer from its responsibilities under the policy. For example, in General Mut. Ins. Co. v. Dennis, 280 Ala. 434, 438, 194 So. 2d 838, 841 (1967), the Supreme Court held that '[t]he cooperation clause, which the insurer has a perfect right to insist upon, and which will be enforced where the insurer shows that it has been breached, ... means that the insured must live up to his obligation under the contract and cooperate with the insurer, and ... it is inherent in the word "cooperation" as between the insured and the insurer that there be no collusion with the plaintiff.' The Dennis case, however, was a suit brought by the insurer seeking only a declaratory judgment that it was under no further obligation to the insured.