Section 9.7 Omissions

• Library: Insurance Practice 2015

The first question in determining the significance of an omission is whether the application requested the information. If it does not, the applicant is under no duty to volunteer the information. See Citizens Bank of Jonesboro v. W. Employers Ins. Co., 865 F.2d 964, 966 (8^th Cir. 1989); Harristown Dev. Corp. v. Int’l Ins. Co., No. 87-1380, 1988 U.S. Dist. LEXIS 12791 (M.D. Pa. Nov. 15, 1988); Bohm v. Fid. & Cas. Co. of N.Y., 399 S.W.2d 450, 455 (Mo. App. E.D. 1966). The insured is free to interpret the...