What is the practical effect of an insurance contract being a contract of adhesion?

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A contract of adhesion is a standard form contract where one party has significantly more bargaining power than the other party, and the weaker party must agree to the terms set out by the stronger party without the ability to negotiate or modify the terms. In insurance, the insurer is usually the party with more bargaining power, and the insured must agree to the terms of the policy to secure coverage.

The practical effect of an insurance contract being a contract of adhesion is that any ambiguities or uncertainties in the policy will be interpreted in the insured's favor. This is because the insured did not have the opportunity to negotiate or modify the terms of the policy, and the insurer developed the policy language. Therefore, any inconsistencies or unclear language will be interpreted in a way that is most beneficial to the insured.

What Is the Practical Effect of an Insurance Contract Being