What is the general outcome of misrepresentation of information in an application?

Misrepresentation of information in an application typically results in the revocation of the policy. Insurance underwriting relies on the accurate and truthful representation of information by the applicant. When an applicant provides false information—whether intentionally or unintentionally—this undermines the insurer's ability to make informed decisions regarding coverage and risk assessment.

If misrepresentation is discovered, insurers may view it as grounds to invalidate the policy since the risk profile of the insured may not align with what was presented at the time of application. Insurers expect full disclosure, and if the wrong information significantly affected the underwriting decision, they reserve the right to rescind coverage altogether.

This outcome emphasizes the importance of transparency and honesty during the application process. The consequences serve as a reminder to applicants that they must carefully consider the information provided to avoid adverse effects on their insurance coverage.