All statements or descriptions in any application for a policy of insurance, or in the policy itself, shall be deemed representations and not warranties, and a representation, unless material or fraudulent, will not prevent a recovery on the policy.
N.C. Gen. Stat. § 58-3-10
Statements in application not warranties
Applied in 9 court decisions — leading case 126 N.C. App. 795 - Metropolitan Property & Casualty Insurance v. Dillard (1997)
Most recently applied in Laschkewitsch v. Lincoln Life & Annuity Distributors, Inc. (September 2014)
1901, c. 705, s. 2; Rev., s. 4808; C.S., s. 6289.
How often courts cite this section
Court decisions citing this, by year. The dip in the last several years is a data-coverage gap, not a real trend — our corpus holds fewer opinions from the most recent years, so recent citations are undercounted.
Official source: North Carolina General Assembly. Reproduced from public-domain North Carolina statutes; confirm against the official source for the current text. Not legal advice.