What is the primary distinction between a misrepresentation and a concealment in an insurance application?

Question

Accepted Answer

A misrepresentation is a false statement made by the applicant, while a concealment is the failure to disclose a material fact

Answer

A misrepresentation is unintentional, while a concealment is always intentional

Answer

A concealment arises only after the policy is issued, while a misrepresentation arises before

Answer

There is no distinction; the two terms are interchangeable under California law

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