Which of the following actions is considered misrepresentation?

Making misleading statements about coverage is regarded as misrepresentation because it involves providing false or ambiguous information regarding the terms, conditions, or implications of an insurance policy. This can lead policyholders to have an inaccurate understanding of what their coverage entails, potentially resulting in financial harm or unmet expectations when they file a claim. Misrepresentation undermines the integrity of the insurance process and can erode trust between the insurer and the insured.

In contrast, providing accurate policy details, explaining benefits properly, and adhering to regulations when offering discounts exemplify responsible and compliant practices that contribute to transparency and clarity in the insurance relationship. These actions help ensure consumers are well-informed and can make educated decisions about their insurance coverage.