What type of misrepresentation does NOT allow the insurer to reject a claim?

Unintentional misrepresentation refers to false information provided without intent to deceive, often occurring due to mistakes or lack of knowledge. When a policyholder unknowingly provides incorrect information, it is generally viewed as less culpable than intentional or negligent misrepresentation. As a result, insurers typically cannot reject a claim based solely on unintentional misrepresentation since it does not reflect a deliberate attempt to mislead or a lack of reasonable care. This principle is important in the context of ensuring that policyholders are not unfairly penalized for honest errors that do not affect the integrity of the insurance contract.

In contrast, types of misrepresentation that involve intent to deceive or significant negligence typically provide grounds for an insurer to deny a claim, as they indicate a more serious breach of the duty to be truthful in the insurance application process.