In the Court of Appeals of Georgia Mc-013 Patricia Case gave JOA Marine (""JOA"") $500 toward the purchase of a ski-boat during a January 1996 boat show in Atlanta, Georgia. When she went to JOA's place of business to complete the transaction on January 17, 1997, a JOA employee persuaded her at closing to pay Hanover Insurance Co. (""Hanover"") a $412 premium in exchange for insurance coverage for her new boat. Ms. Case signed a blank insurance application and a ""bunch of"" other papers at the closing and, later that day, orally completed this insurance application during a telephone interview with an employee of RGA Reinsurance Company (""RGA"") -apparently an independent insurance agency. Ms. Case later received a Hanover insurance policy covering her boat, but she did not receive a copy of her insurance application. Ms. Case's boat sank on Lake Lanier shortly after its maiden voyage. Upon investigating this loss, Hanover discovered that Ms. Case's adult daughter, Andrea Joyce Case, was residing with her mother when Ms. Case applied for coverage and that Andrea Joyce Case had been involved in an automobile collision and had received several traffic citations within five years before Ms. Case applied for insurance. Hanover denied Ms. Case's property damage claim based on these findings, alleging that she duped Hanover into insuring her boat by checking the ""no"" box next to the following question on her insurance application -""Has any member of the household had a motor vehicle or boating accident or loss or been convicted of a moving violation within the past 5 years?""