A prudent insurance agent and the insurer represented by the agent, were found not liable for false statements on an application for insurance that caused an insured to lose coverage because the agent and insurer were able to prove that the insured did not read the application. In Owensby v. State Farm Fire and Casualty Co., No. E2008-01763-COA-R3-CV (Tenn.App. 09/15/2010), the Tennessee Court of Appeals explained the danger of failing to read an insurance application before signing it by sustaining a summary judgment in favor of the insurer and the agent.

Related: Read Barry Zalma’s October column, “‘Illegal rescission’ is oxymoron”

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