Opinion ID: 755739
Heading Depth: 3
Heading Rank: 2

Heading: Material Misrepresentations and Rescission

Text: 32 The district court quoted verbatim the language of the Oklahoma statute regarding an insurer's ability to rescind an insurance contract to instruct the jury on the affirmative defense of rescission. See Okla. Stat. tit. 36, § 3609(A) (1990) (allowing rescission where applicant misrepresents material facts on an insurance application). Enterprise contends that the court also should have included an instruction quoting a Tenth Circuit case defining the term material for the purposes of instructing the jury how to identify what constitutes a material misrepresentation on an insurance application. 6 Enterprise's challenge to this jury instruction is now moot given Enterprise's admissions that the statute only applies if the insured intentionally deceived the insurer and that Milford did not possess any such intent in this case.