Tennessee § 56-7-103 - Misrepresentation or warranty will not void policy — Exceptions.
Full text of Tennessee Tennessee Code Annotated § 56-7-103 — Misrepresentation or warranty will not void policy — Exceptions., with citation guidance and answers to common questions.
§ 56-7-103. Misrepresentation or warranty will not void policy — Exceptions.
No written or oral misrepresentation or warranty made in the negotiations of a contract or policy of insurance, or in the application for contract or policy of insurance, by the insured or in the insured's behalf, shall be deemed material or defeat or void the policy or prevent its attaching, unless the misrepresentation or warranty is made with actual intent to deceive, or unless the matter represented increases the risk of loss. Acts 1895, ch. 160, § 22; Shan., § 3306; Code 1932, § 6126; T.C.A. (orig. ed.), § 56-1103. Textbooks. Tennessee Jurisprudence, 15 Tenn. Juris., Insurance, §§ 49, 50-55, 57, 99, 101, 110, 123. Law Reviews. Fire Insurance — Estoppel to Deny Insurable Interest, 17 Tenn. L. Rev. 778. Sign Here: “Morrison”, “Allstate” and the “But I Didn't' Read It” Rule (Donald Capparella and Candi Henry), 49 Tenn. B.J. 14 (2013).
Source: official Tennessee text · Last verified 2026-08-27
Frequently Asked Questions About Tennessee § 56-7-103
What does Tennessee Code Annotated § 56-7-103 cover?
Section 56-7-103 ("Misrepresentation or warranty will not void policy — Exceptions.") is part of the Tennessee Code Annotated, the codified statutory law of Tennessee. 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 Tennessee § 56-7-103?
A common citation format is "Tennessee Code Annotated § 56-7-103" (Tennessee). 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 Tennessee law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the Tennessee official source linked on this page or consult a licensed Tennessee attorney.
How does Tennessee § 56-7-103 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in Tennessee 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 Tennessee.