Misrepresentation involves making statements that do not correspond to the facts. In what way would misrepresentation affect an insurance contract? A Unless found to be material to the insured risk, a misrepresentation may have little or no effect B Any consumer misrepresentation results in 100% cancellation of a P&C policy C It voids a life insurance policy if discovered within 36 months of policy issue D Agents have legal immunity from misrepresentations they make to consumers