What constitutes a material misrepresentation on an original application for disability insurance that could void a policy from The Hartford years later?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What constitutes a material misrepresentation on an original application for disability insurance that could void a policy from The Hartford years later?
2 real searches · 1 real-search pass
Washington RCW insurance application misrepresentation void policy disability insurance material misrepresentation intent deceive statute 48.18.090Google ↗
OBSERVEDReason
The Hartford disability insurance application rescission material misrepresentation contestability period application representationsGoogle ↗
OBSERVEDReason
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
Washington RCW insurance application misrepresentation void policy disability insurance material misrepresentation intent deceive statute 48.18.090 Google ↗
The Hartford disability insurance application rescission material misrepresentation contestability period application representations Google ↗
- RCW 48.18.090: · app.leg.wa.gov
- Revised Code of Washington § 48.18.090 (2025) - Warranties and misrepresentations, effect of. :: 2025 Revised Code of Washington :: U.S. Codes and Statutes :: U.S. Law :: Justia · law.justia.com
- American General Life Insurance Company v. Palmer, 2:2023cv00162 - Document 30 (W.D. Wash. 2024) :: Justia · law.justia.com
- ORDER ON MOTIONS denying pltf's 197 Motion for Reconsideration; pltf's motion to strike 201 is granted; dfts' motion for summ jgm 145 is denied; pltf's motion for partial summ jgm 142 is denied by Judge Ricardo S Martinez for Karpenski v. American General Life Companies, LLC et al :: Justia Dockets & Filings · docs.justia.com
- RCW 48.20.052: · app.leg.wa.gov
- Revised Code of Washington § 48.20.052 (2025) - Standard provision No. 3—Time limit on certain defenses. :: 2025 Revised Code of Washington :: U.S. Codes and Statutes :: U.S. Law :: Justia · law.justia.com
- RCW 48.18.080: · app.leg.wa.gov
- Chapter 48.18 RCW: · apps.leg.wa.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Washington RCW insurance application misrepresentation void policy disability insurance material misrepresentation intent deceive statute 48.18.090 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
The Hartford disability insurance application rescission material misrepresentation contestability period application representations OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |