{"id":168818,"date":"2025-04-02T19:52:01","date_gmt":"2025-04-02T19:52:01","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/insurance\/when-a-policy-is-void\/"},"modified":"2025-04-02T19:52:01","modified_gmt":"2025-04-02T19:52:01","slug":"when-a-policy-is-void","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=168818","title":{"rendered":"When a Policy Is Void"},"content":{"rendered":"


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This blog post is just a taste of the full article that is only available to subscribers to Excellence in Claims Handling. Anyone can subscribe to \u201cExcellence in Claims Handling\u201d <\/span>at https:\/\/barryzalma.substack.com\/subscribe<\/a> for only $5 a month or $50 a year. <\/span><\/p>\n

In almost every policy of insurance, there is a clause declaring the policy void if the insured misrepresents or conceals material facts or commits fraud. For example:<\/p>\n

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We do not pay for bodily injury or property damage which is expected by, directed by, or intended by an insured. This exclusion does not apply to bodily injury that arises out of the use of reasonable force to protect people or property. (AAIS Form BP-200, (c) 1987 AAIS).<\/p>\n<\/blockquote>\n

or:<\/p>\n

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This Coverage Form is void in any case of fraud by you at any time as it relates to this Coverage Form. It is also void if you or any other \u201cinsured,\u201d at any time, intentionally conceal or misrepresent a material fact concerning: a. This Coverage Form; b. The covered \u201cauto\u201d; c. Your interest in the covered \u201cauto\u201d; or d. A claim under this Coverage Form. (Insurance Services Office form CA 00 01 01 87).<\/p>\n<\/blockquote>\n

The policy wording requires that the insurer prove, not only that the insured misrepresented or concealed a material fact but must also prove that the insured did so with the intent to deceive.<\/p>\n

Absent the rare confession it is often difficult to prove intentional deceit. The insured will usually claim that he or she was mistaken and had no intent to deceive. In more than 50 years of investigation of fraudulent insurance claims I only once received from an insured an under oath statement that the insured intentionally deceived the insurer and then, not in person, but by correcting false testimony in the transcript of an examination under oath.<\/p>\n

If fraud or mutual mistake is an issue, insurers and insureds doing business in Oklahoma must resort to courts of general jurisdiction for a determination of contractual rights.[1]<\/a> In Oklahoma, the Workers\u2019 Compensation court does not have the right to rescind or declare a policy of Workers\u2019 Compensation insurance void. However, where there is a misrepresentation with intent to deceive and the putative insured recognized the materiality of the misrepresentation the insurance policy is void from its inception.<\/p>\n

A Taste of What Subscribers Get<\/span><\/strong><\/h2>\n
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This was just a taste of the full article that is only available to subscribers to Excellence in Claims Handling and access to many more articles that are published on a regular basis.<\/p>\n<\/div>\n

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\n\t\t\t\t\t\t\tAbout Barry Zalma\t\t\t\t\t\t\t<\/h2>\n

\t\t\t\t\t\t\tAn insurance coverage and claims handling author, consultant and expert witness with more than 48 years of practical and court room experience.\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n

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\n\t\t\t\t\t\t\tThis entry was posted in Zalma on Insurance<\/a>. Bookmark the permalink<\/a>.\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n

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This blog post is just a taste of the full article that is only available to subscribers to Excellence in Claims Handling. Anyone can subscribe to \u201cExcellence in Claims Handling\u201d at https:\/\/barryzalma.substack.com\/subscribe for only $5 a month or $50 a year. In almost every policy of insurance, there is a clause declaring the policy void […]<\/p>\n","protected":false},"author":1,"featured_media":168819,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[94],"tags":[11572,14488],"dealstore":[],"offerexpiration":[],"class_list":["post-168818","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-policy","tag-void"],"yoast_head":"\nWhen a Policy Is Void - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=168818\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"When a Policy Is Void - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"This blog post is just a taste of the full article that is only available to subscribers to Excellence in Claims Handling. 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