<Li> Insurance contracts are generally considered contracts of adhesion because the insurer draws up the contract and the insured has little or no ability to make material changes to it . This is interpreted to mean that the insurer bears the burden if there is any ambiguity in any terms of the contract . Insurance policies are sold without the policyholder even seeing a copy of the contract . In 1970 Robert Keeton suggested that many courts were actually applying ' reasonable expectations ' rather than interpreting ambiguities , which he called the ' reasonable expectations doctrine ' . This doctrine has been controversial , with some courts adopting it and others explicitly rejecting it . In several jurisdictions , including California , Wyoming , and Pennsylvania , the insured is bound by clear and conspicuous terms in the contract even if the evidence suggests that the insured did not read or understand them . </Li>
<Li> Insurance contracts are generally considered contracts of adhesion because the insurer draws up the contract and the insured has little or no ability to make material changes to it . This is interpreted to mean that the insurer bears the burden if there is any ambiguity in any terms of the contract . Insurance policies are sold without the policyholder even seeing a copy of the contract . In 1970 Robert Keeton suggested that many courts were actually applying ' reasonable expectations ' rather than interpreting ambiguities , which he called the ' reasonable expectations doctrine ' . This doctrine has been controversial , with some courts adopting it and others explicitly rejecting it . In several jurisdictions , including California , Wyoming , and Pennsylvania , the insured is bound by clear and conspicuous terms in the contract even if the evidence suggests that the insured did not read or understand them . </Li>
insurance policies may be classified as contracts of
insurance policies may be classified as contracts of
adhesion
adhesion