Arizona § 20-1109 - Statements as representation; effect of misrepresentation upon policy
Full text of Arizona Arizona Revised Statutes § 20-1109 — Statements as representation; effect of misrepresentation upon policy, with citation guidance and answers to common questions.
§ 20-1109. Statements as representation; effect of misrepresentation upon policy
All statements and descriptions in any application for an insurance policy or in negotiations therefor, by or in behalf of the insured, shall be deemed to be representations and not warranties. Misrepresentations, omissions, concealment of facts and incorrect statements shall not prevent a recovery under the policy unless:
1. Fraudulent.
2. Material either to the acceptance of the risk, or to the hazard assumed by the insurer.
3. The insurer in good faith would either not have issued the policy, or would not have issued a policy in as large an amount, or would not have provided coverage with respect to the hazard resulting in the loss, if the true facts had been made known to the insurer as required either by the application for the policy or otherwise.
Source: official Arizona text · Last verified 2026-08-27
Frequently Asked Questions About Arizona § 20-1109
What does Arizona Revised Statutes § 20-1109 cover?
Section 20-1109 ("Statements as representation; effect of misrepresentation upon policy") is part of the Arizona Revised Statutes, the codified statutory law of Arizona. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.
How do I cite Arizona § 20-1109?
A common citation format is "Arizona Revised Statutes § 20-1109" (Arizona). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.
Is this the official text of Arizona law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the Arizona official source linked on this page or consult a licensed Arizona attorney.
How does Arizona § 20-1109 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in Arizona can advise on how this section applies to you. Contact your state or local bar association for a referral.
Sources & Verification
Not legal advice. Verify against the official source and consult a licensed attorney in Arizona.