When it is unclear whether an insurance contract actually exists because a written policy has not been delivered, the uncertainty is normally resolved against the insured.

Question

Quizplus · Accepted Answer

The principle of contra proferentem in contract law often resolves ambiguity in the wording of contracts, including insurance contracts, against the party that drafted it, usually the insurer, not the insured.

When It Is Unclear Whether an Insurance Contract Actually Exists