Haas v. Integrity Mutual Insurance

Sec. 209.06 (1), Stats. 1955, provided:

“No oral or written statement, representation, or warranty made by the insured or in his behalf in the negotiation of a contract of insurance shall be deemed material or defeat or avoid the policy, unless such statement, representation, or warranty was false and made with intent to deceive, or unless the matter misrepresented or made a warranty increased the risk or contributed to the loss.”

This section does away with the prior distinction between representations and warranties made in the negotiation of a contract of insurance. The legal effect of each…