The Second Appellate District affirmed a judgment. The court held that an insured’s material misrepresentations and omissions in her application for health insurance justified the insurer’s subsequent rescission of her policy.

Between 2002 and 2005, Julie Nieto sought treatment on several occasions from both an orthopedist and a chiropractor for back pain she was suffering. During the same time period, she filled at least 10 prescriptions for pain medication. She also received two steroid injections and oral steroids.