Agent Morgan is processing a homeowners insurance application for a family that recently purchased a property. The homeowners have signed all required forms and departed the agency. While assembling the final paperwork for submission to the insurer, Morgan notices that the question asking about the presence of aggressive dog breeds on the premises was left entirely unanswered. Furthermore, the applicants mistakenly wrote their previous home's zip code instead of the new property's zip code. Which of the following describes the legally correct action for Morgan to take?
- Morgan must contact the applicants to answer the missing question, correct the zip code, and have them personally initial both of these modifications on the application.Cevap
- BMorgan should draw a line through the inaccurate zip code and write the correct one, but leave the dog breed question blank for the underwriter to follow up on.
- CMorgan must submit the application exactly as it was signed by the applicants, as the insurer will automatically waive the missing information if they issue the policy.
- DUsing implied authority, Morgan may independently fill in the missing dog breed answer based on her visit to the property and correct the zip code without requiring new signatures.
Cevap
The agent must contact the applicants to provide the missing answer, correct the zip code, and have them personally initial both modifications on the physical application.
Because an insurance application is a legal document that forms the basis of the contract, any changes or additions made after it has been completed must be initialed by the applicant. This verifies the applicant's consent to the information provided. An agent cannot unilaterally alter the application or knowingly submit an incomplete document.
Adım Adım Çözüm
Anahtar Kavram
Application Corrections and Completeness