To avoid payment on a claim, an insurance company may raise any de?fense that would be valid in any action for breach of contract.

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This is a basic principle of insurance law known as the "breach of contract defense." An insurance company can raise any defense that would be valid in a breach of contract action to avoid paying a claim. This can include things like fraud or misrepresentation by the policyholder, non-payment of premiums, or failure to comply with policy terms and conditions.

To Avoid Payment on a Claim, an Insurance Company May