General Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Because an insurance policy is a contract of adhesion, any ambiguity in the policy language is generally construed:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
An adhesion contract is drafted entirely by one party and offered on a take-it-or-leave-it basis, so the insured has no say in its wording. Because the insurer wrote the language, courts resolve genuine ambiguities against the insurer, the drafter. This rule protects the insured, who had no opportunity to negotiate the terms.
Why the other options are wrong
- B) Construing against the insured would punish the party who never wrote the policy.
- C) The state does not interpret private contract ambiguities; courts apply the contra proferentem rule.
- D) The agent does not author or authoritatively interpret the policy language.
Memory hook
You wrote it, you bear the doubt. Ambiguity favors the non-drafter.