Essentially, the insurance company is taking a position that they want to cancel or “rescind” your policy because you failed to provide information that you either knew they wanted, or should have known to disclose. Honestly, in my experience, these defenses are about as thin as they come. Not a defense I would make, when I represented insurance companies. Here are the issues you are dealing with, when an insurance claim asserts what is commonly referred to as an “MMR” defense to your claim, which stands for “material misrepresentation” on the application.