If applicant has two speeding tickets and two non-fault accidents, is it acceptable to omit these from the application?

• A. Yes, omit them if it helps underwriting.
• B. Yes, but only with consent from the insured.
• C. No; misstatements are never acceptable; explain to underwriter or present to a company with less stringent guidelines.
• D. No; you should always withdraw the application instead.

Answer: (C)

Disclosures must be complete and truthful because underwriting relies on accurate information to assess risk. Driving history, including speeding tickets and accidents, is a material fact; omitting them would be a misstatement or nondisclosure. If discovered later, it can void the policy or lead to denial of a claim. You should explain any issues to the underwriter or explore options with a company that has different guidelines—the goal is to get a fair assessment with proper disclosure, not conceal information. Choosing to omit to help underwriting isn’t acceptable, and withdrawing the application isn’t the required action. The insured’s consent doesn’t authorize hiding facts, so truthful disclosure is the correct approach.