Insurance 101 – Chapter 16 Volume 17 – Materiality


The California Court of Appeal reaffirmed the general rule stated in the California Insurance Code that the test to determine materiality of facts misrepresented or concealed, when rescinding a policy of insurance, is subjective. It is determined by the effect the false information had on the particular underwriter who made the decision to insure.

The following video was adapted from my book, “Insurance Claims A Comprehensive Guide” Published by the National Underwriter Company and is available at the Zalma Insurance Claims Library

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