2. to speak – with authority – on behalf of another;
3. to appear on one’s behalf.
In insurance law, a representation is an oral (or written) statement preceding the insurance policy. Although not part of the contract, the representation is used to enable the underwriter to form a judgment (as to whether to accept the risk). Only a false misrepresentation – that materially affects the risk – will permit the insurer to rescind the policy.
In commercial law, a representation is anything short of a warranty. Plus, it is sufficient to create a distinct impression of fact that will be conducive to action.
In property law, “representation” permits children (or other lineal descendants) of a predeceased relative [of the intestate] to stand in their predeceased ancestor’s shoes – for purposes of inheritance. Representation is equivalent to per stirpes (meaning by the stock or roots).
compare per capita. see proportional representation; virtual representation.
