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Misrepresentation False Pretense

Definition of "Misrepresentation (false pretense)"

Intent to defraud. An insured is required to answer truthfully all questions on the application. The insurance company can void a contract if it would not have issued a policy had it known the true facts. For example, on a personal automobile policy application, if the insured answers that the car is used only for pleasure (when in fact it is used in stock car races), the insurance company can void the policy.

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