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The concepts of waiver and estoppel are important in the context of insurance contracts, whether for homeowners, auto, property, or health insurance. These terms are related to the insurance application process, where the insurer asks questions to determine premiums and coverage. If an applicant leaves a question blank and the insurer still issues a policy, the insurer has waived their right to that answer and cannot penalize the insured for the omission. Although waiver and estoppel are not heavily tested, it’s essential to understand their definitions as they may appear in one or two exam questions.
