Which of the following can lead to an insurance claim being rejected?

The option indicating that all of the listed factors can lead to an insurance claim being rejected is correct because each of these issues directly impacts the validity of a claim.

Submitting a claim too late means that the policyholder has not adhered to the time limits set forth in the insurance policy for filing a claim. Insurance policies typically stipulate a deadline for notification of a claim, and failing to meet this requirement can result in denial, as the insurer may argue that evidence is lost or that the delay has hindered their ability to assess the claim accurately.

Insufficient coverage refers to situations where the limits of the policy are lower than the amount of loss or damage incurred. If a policyholder files a claim for an amount exceeding the coverage limits, the insurer will only pay up to those limits, and in some scenarios, they may reject the claim altogether if the loss falls outside the covered perils.

Material misrepresentation involves the policyholder providing false or misleading information on their application for coverage. If the insurer discovers that the policy was obtained based on incorrect facts that are significant to the underwriting process, they can deny any claims arising under that policy because they relied on the truthfulness of the initial information provided.

Thus, each of these factors can independently lead to the