P&COhiomedium
Under R.C. 3911.06, a misrepresentation in an Ohio insurance application will defeat coverage only if the misstatement was:
AMade in writing and notarized by a licensed Ohio notary public at the time of application
BDiscovered within 30 days of policy issuance by the underwriting department
CRepeated at every renewal of the insurance contract by the policyholder
Material to the acceptance of the risk or the hazard assumed by the insurer
Why this is the answer
Ohio's anti-technical statute (R.C. 3911.06) protects insureds from forfeiture for innocent immaterial misstatements. The insurer must show the answer was willfully false or fraudulent, or that it was material to the acceptance of the risk or the hazard assumed.
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