State RegulationsOH specificDifficulty 1/5
Under ORC 3999.21, which documents must clearly contain a warning that submitting a false or deceptive statement with intent to defraud constitutes insurance fraud?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
ORC 3999.21 requires all insurer applications and all claim forms to clearly contain a warning that any person who, with intent to defraud, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud. The statute also provides that the absence of the warning is not a defense, so the requirement protects consumers and obligates insurers on both the sales and claims sides.
Why the other options are wrong
- A) Limiting the warning to claim forms is too narrow; ORC 3999.21 requires it on applications as well.
- B) Limiting the warning to new business applications is too narrow; claim forms must carry it too, covering the claims process.
- C) The delivery channel is irrelevant; the warning requirement applies to all applications and claim forms, not just direct-response business.
Memory hook
Fraud warning lives on every application and every claim form.