Adhesion

This is a characteristic of a unilateral contract which is offered on a "take it or leave it" basis. Most insurance policies are contracts of "adhesion," because the terms are drawn up by the insurer and the insured simply "adheres." For this reason ambiguous provisions are often interpreted by courts in favor of the insured. Contrast with Manuscript Policy

See Also: Assigned Risk; Assessment Company, Society or Insurer; Ambiguity; All-Risks Insurance; Agent's Appointment; Agent; Accommodation Line; Accidental Means; Accident Frequency;

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