What might result if an insurance applicant makes false statements in an insurance application?
What will be an ideal response?
The filled-in application form for insurance is usually attached to the policy and made a part of the insurance contract. Thus, an insurance applicant is bound by any false statements that appear in the application (subject to certain exceptions). Because the insurance company evaluates the risk factors based on the information included in the insurance application, misstatements or misrepresentations can void a policy, especially if the insurance company can show that it would not have extended insurance if it had known the true facts. Also, if an insurance company can show that a policy was obtained by fraud, it may have a valid defense for not paying on a claim.
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Answer the following statement(s) true (T) or false (F)
1. An affirmative defense requires the presentation of evidence. 2. An affirmative defense must be proven beyond a reasonable doubt. 3. The presumption of innocence only protects the defendant until he or she is indicted. 4. Once a defendant has presented an affirmative defense, the state must disprove guilt by a preponderance of the evidence. 5. A defendant can raise inconsistent defenses.
It is important for court reporters to keep up-to-date in terms of technology
a. True b. False
Ending the employment of a "whistleblower" most likely will be the basis for an action in
A) wrongful discharge B) bad faith breach of contract C) interference with a contractual relationship D) commercial disparagement
Most states that have adopted comparative negligence have modified their joint liability doctrine.
Answer the following statement true (T) or false (F)