What is a key right of a person whose insurance application has been declined due to a report?

A key right of a person whose insurance application has been declined due to a report is the right to know what was in the report. This right is significant because it promotes transparency in the insurance process, allowing applicants to understand the reasons behind the insurer's decision. When a policy application is declined, the applicant can request a copy of the report used to evaluate their risk and determine eligibility. This ensures that individuals can be informed about the information impacting their application, which is essential for making informed decisions moving forward, including potentially disputing inaccuracies if applicable.

Having access to this information empowers the individual by allowing them to understand the specifics of the report and, if necessary, correct any misinformation that may have led to the application's denial. This right aligns with consumer protection laws that safeguard individuals in insurance transactions.