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Türkçe - İngilizce

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(Sigorta) material fact

A fact that might alter a person's decision to buy a property or change the terms and price a buyer is willing to accept

Any fact which, if known, would affect the judgment of one or more of the parties to a transaction

In insurance, it refers to a fact which is so important that the disclosure of it would change the decision of an insurance company, either with respect to writing coverage, settling a loss, or determining a premium Usually, the misrepresentation of a material fact will void a policy (LE)

Anyone seeking insurance must disclose all the material facts about the risk involved that he or she knows, or that they ought to know In other words, the insured should not hide anything The trouble is, certain facts that the underwriter may deem "material" may not always be known to the insured person The best principle to follow is: "If in doubt, mention it anyway " If you are not sure whether some other piece of information may or may not be relevant, tell your insurers anyway

A fact is material if it is one which the agent should have realized would be likely to affect the judgment of the principal in giving his consent to the agent to enter into the particular transaction on the specified terms

A fact that, had it been known at the time policy application was made, would have caused an insurance company to decline coverage or issue entirely different coverage

Information that is needed to make a claims or underwriting decision that directly effects the decision  

A fact that had it been known to the insurer, would have caused the insurer to decline coverage or issue entirely different coverage

An important fact about one or more of the issues involved in the contract which, if known to all parties, may result in a different contract or no contract at all

A fact that would be important to a reasonable person in deciding whether to engage in a particular transaction; an important fact as distinguished from some unimportant or trivial detail

A fact that is relevant to an insurance company's underwriting decision regarding issuing or rating a policy

A fact which, if known, would affect the judgment of one or more of the parties to a transaction

A fact upon which an agreement is based, and without which, said agreement would not be made

Any information used in your insurance application that would have changed your eligibility for coverage, price of coverage or conditions for acceptance

Any information about a specific property that could affect a buyer’s decision to purchase it, such as an upcoming zoning change in the neighborhood

Something affecting a contract of insurance significant enough to change the agreement between the Company and the Policyholder

A fact is material if it is one which the agent should realize would be likely to affect the judgment of the principal in giving his consent to the agent to enter into the particular transaction on the specified terms

Information that would affect an insurance company accepting a policy, or the premium it would charge, such as previous driving convictions Failing to disclose a material fact could invalidate a policy

Something affecting a contract of insurance important enough to change the agreement between the company and the policyholder Material facts must be disclosed if asked about Failure to do so may result in a voiding of the policy involved An exception to this general rule is that, with respect to ocean marine insurance, all material facts must be disclosed whether the insurer asks the appropriate question or not

fact that can influence a decision that is being made

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