Void

As if it never existed. Thank you for your premium, we don't know why you paid it - you never had a legal policy here. In essence if certain acts are committed or policy provisions ignored, the insurance policy has no legal effect and is unenforceable on the insurance carrier.

Concealment or misrepresentation of a material fact, and fraud can render an insurance policy void ab initio (that is, "from the beginning). Since the policy has never legally existed, there is no coverage provided now or in the future.

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