What does misrepresentation NOT include when it comes to insurance practices?

Misrepresentation in insurance practices primarily involves providing false or misleading information that can affect the terms or conditions of the insurance coverage. This typically includes actions like providing incorrect personal information, falsifying claims, and incorrectly stating policy limits, as each of these represents a clear instance where deception can potentially lead to financial loss for the insurance company or inappropriate coverage for the insured.

Interpreting coverage, however, does not fall under the category of misrepresentation. It involves assigning meaning or understanding to the terms of the insurance policy, which is usually subjective and can vary based on individual comprehension or circumstances. Unlike the other options, this interpretation is not inherently deceptive and does not involve providing false information. It is more about individual insight into how coverage works, meaning it does not constitute a misrepresentation in the context of an insurance policy.