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

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A contract of adhesion is a contract in which one party has all the bargaining power and the other party has no ability to negotiate the terms. In the case of an insurance policy, the insurer drafts the policy and the insured has little to no ability to negotiate the terms. As a result, any ambiguities or uncertainties in the policy will be interpreted in favor of the insured. This is known as the doctrine of contra proferentem. So, the practical effect of an insurance policy being a contract of adhesion is that the policy will be interpreted in the insured's favor if there is any ambiguity or uncertainty.

What Is the Practical Effect of an Insurance Policy Being