Coyote, I'm intrigued. What exactly is your professional background?

The four options I listed are the options available to an insurer on the grounds of misrepresentation. Yes innocent misrepresentation is not a case of insurance fraud but deliberate misrepresentation or nondisclosure is. In a case of proven insurance fraud I wouldn't even need to refer to any of these options, I would just chuck the claim out on the basis of it being a false claim.

I have in none of my comments said that innocent misrepresentation leads to a repudiated claim other than option number 2. Please, if you have time, read all the comments from start to finish and if you are still unclear then feel free to ask me any direct question to a point I have raised.

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