State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under CIC §358, a representation is considered false when:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
CIC §358 defines falsity of a representation by comparing it to the facts: a representation is false when the facts do not correspond with its assertions or stipulations. The test is objective — it does not depend on what the insured later thinks or intends. If the statement in the application does not match reality, it is false. Whether the representation is material (and therefore grounds for rescission under Section 359) is a separate inquiry under Section 334.
Why the other options are wrong
- B) A later change of mind does not make the original statement false; falsity is judged by whether the statement matched the facts when made.
- C) The insurer's failure to ask about a matter relates to the duty to communicate (Section 333), not to whether a made representation is false.
- D) Signature requirements concern execution of the application, not the definition of a false representation.
Memory hook
False = facts don't match the words. What you later think doesn't matter.