P&CMImedium
Under MCL 500.2218, a misrepresentation in a Michigan insurance application will void the policy only if the misstatement was:
AMade in writing and notarized by a licensed notary public
Material to the risk and either fraudulent or relied upon by the insurer
CDiscovered within 30 days of policy issuance by the underwriting department
DRepeated at every renewal of the policy
Why this is the answer
Michigan's anti-technical statute (MCL 500.2218) protects insureds from rescission for trivial errors. The insurer must prove materiality and either fraudulent intent or that it would not have issued the same policy had it known the truth.
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