Walter Fills Out a Car Insurance Application Form

Walter fills out a car insurance application form. In the section on previous accidents, he ticks a box which states that he has not had an accident in the last three years. In fact, Walter was involved in a serious car accident last year because he was speeding. Which type of fraud might Walter be charged with?

A) Fraud by false representation and fraud by failing to disclose information
B) Fraud by false representation and fraud by abuse of position
C) Fraud by failing to disclose information and fraud by abuse of position
D) All three types of fraud