---
title: "Compare the claim narrative with the contemporaneous documents"
url: "https://ailawframework.com/practice/insurance-law/compare-the-claim-narrative-with-the-contemporaneous-documents/united-states"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A22-A20260923-2-US"
practice_area: "Insurance Law"
tier: "yellow"
lawyer_review: "required"
jurisdictions: ["US"]
last_reviewed: "2026-10-22"
---

# Compare the claim narrative with the contemporaneous documents

> Put each event in the narrative beside the document, if any, that mentions it, with that document's date. Mark an event with no document. Do not rewrite the narrative.

Canonical page: https://ailawframework.com/practice/insurance-law/compare-the-claim-narrative-with-the-contemporaneous-documents/united-states  
Last reviewed: 2026-10-22

Site index for agents: https://ailawframework.com/llms.txt

## Key facts

| Fact | Value |
| --- | --- |
| Practice area | [Insurance Law](https://ailawframework.com/practice/insurance-law.md) |
| Human involvement | Yellow: Lawyer and AI draft together |
| How AI is used | Put each event in the narrative beside the document, if any, that mentions it, with that document's date. Mark an event with no document. Do not rewrite the narrative. |
| What the lawyer must review | California Insurance Code § 331 provides that concealment, whether intentional or unintentional, entitles the injured party to rescind. That is a California rule. 15 U.S.C. § 1012 leaves the rest of the misrepresentation rule to the state. You decide whether anything was concealed. Formal Opinion 512 requires review before the comparison is used in advice. |
| Written for | United States |
| Applies to | [Compare the claim narrative with the contemporaneous documents](https://ailawframework.com/practice/insurance-law/compare-the-claim-narrative-with-the-contemporaneous-documents.md) |

## Checking plan

- What the AI does: Put each event in the narrative beside the document, if any, that mentions it, with that document's date. Mark an event with no document. Do not rewrite the narrative.
- Basis: Checked against the linked sources on 22 October 2026. Confirm the current instrument before reliance.

## Notes

- A missing document is a gap. It is not a finding of concealment.
- Section 331 is not a national rescission rule. Open the state that governs the policy.

## Sources

- [California Insurance Code § 331, concealment](https://california.public.law/codes/ca_ins_code_section_331) (checked 2026-10-22)
- [15 U.S.C. § 1012, McCarran-Ferguson Act: regulation by State law](https://www.law.cornell.edu/uscode/text/15/1012) (checked 2026-10-22)
- [ABA Formal Opinion 512, Generative Artificial Intelligence Tools (29 July 2024)](https://www.americanbar.org/content/dam/aba/administrative/professional_responsibility/ethics-opinions/aba-formal-opinion-512.pdf) (checked 2026-10-22)

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*