State RegulationsGA specificDifficulty 1/5
Under Georgia insurance law, statements made by an applicant in an insurance application are legally classified as:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under O.C.G.A. § 33-24-7, all statements and descriptions in an application are representations and not warranties. This classification protects Georgia applicants: a misrepresentation defeats recovery only when it is made with intent to deceive or increases the risk of loss, rather than voiding the contract for any inaccuracy as a warranty would.
Why the other options are wrong
- B) Georgia expressly rejects the warranty classification; O.C.G.A. § 33-24-7 states application statements are representations, not warranties.
- C) No guarantee of absolute accuracy exists; the representation standard under O.C.G.A. § 33-24-7 turns on intent to deceive or increased risk.
- D) An inaccurate statement does not automatically void the policy; recovery is defeated only if the misrepresentation increases or contributes to the risk of loss under O.C.G.A. § 33-24-7.
Memory hook
Applications are 'reps,' not warranties — only risk-raising lies hurt the claim.