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Simple English definitions for legal terms

contestability clause

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A quick definition of contestability clause:

A contestability clause is a rule in an insurance policy that explains when and why the insurance company can challenge a claim or cancel the policy. This usually happens if the policyholder left out important information or gave false information when they first got the policy. The contestability clause usually only lasts for two years.

A more thorough explanation:

A contestability clause is a provision in an insurance policy that outlines the circumstances under which the insurer can challenge a claim or cancel the policy based on a misrepresentation or omission made when the policy was issued. This clause usually expires after two years.

For example, if someone applies for life insurance and fails to disclose a pre-existing medical condition, the insurer may use the contestability clause to deny a claim or cancel the policy if the person dies within the first two years of coverage.

Another example is if someone misrepresents their driving record when applying for car insurance, the insurer may use the contestability clause to cancel the policy or deny a claim if the person gets into an accident within the first two years of coverage.

These examples illustrate how the contestability clause protects insurers from fraudulent or inaccurate information provided by policyholders during the application process.

conterminous | contestatio litis

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7:55
@WorthlessAttractiveZombie: mine did yesterday morning
7:56
Oops sorry I meant Vilanova. Mine disappeared last week
soapy
8:48
UMN under review! As predicted, decisions are gonna come out early December
Minus those random R decisions from UMN yesterday though right? I wonder what happened there. I don’t think I’ve seen a school start the season out with anything but As on here
almost all of my apps have been UR for 6 weeks at this point I feel exhausted waiting for them to finish
Irvine is being snobby and wont start any review until end of Nov.
Yeah, it’s tough. I’m distracting myself by playing good video games after work :)
im distracting myself by schizo-scrolling r/lawschoolamissions and every conceivable data point on this godforsaken website
it is not working
Haaa I naturally want to do that too. I’m trying to stop. They need a surgeon general’s warning on this site for perspective law students
i spend more time on here then anything else trying to rationalize that the waves from last year will match waves for this year (they won't) and that the stats of people with the same stats are indicative of my own (they aren't)
There aren't many people in my stat range so I pretty much know every result in my range after being on here for a few years
9:28
congrats on the 172 bruce
go dawgs fr
9:29
roll tide
do we foresee a fordham election day wave today (i'm delusional)
WorthlessAttractiveZombie
9:31
I think so, Jack
9:31
some people hate him. some people love him, but he a real one: https://youtu.be/w5oEqiVQcF4?t=173
9:32
[kevin oleary]
worthless i trust you implicitly you know what it will happen now.
worthless i trust you implicitly you know what it will happen now.
worthless i trust you implicitly you know what it will happen now.
worthless i trust you implicitly you know what it will happen now.
worthless i trust you implicitly you know what it will happen now.
WorthlessAttractiveZombie
9:34
I mean if Fordham doesn't release today I will purposefully get on a train, go to new york, and then take the stinkiest shit inside the admission office's toilet (potentially clogging it and forcing them to get a plumber)
IS IT ONLY ON MY END WHY DID THAT SEND TEN MILLION TIMES
HELLO
WorthlessAttractiveZombie
9:35
it sent a million times lol
WHAT HAPPENED
yeah i thought you were tweaking for a second
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