Since the automobile insurance policy is written by the insurer, ambiguities are interpreted in favor of the insurer.

Name: Since the automobile insurance policy is written by the insurer, ambiguities are interpreted in favor of the insurer.
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In contract law, ambiguities in a contract, including insurance policies, are typically interpreted in favor of the party that did not draft the document, which in this case would be the insured, not the insurer.

Since the Automobile Insurance Policy Is Written by the Insurer