Everyone understands that the insurance policy terms were drafted without any input from the policy holder. Therefore, an insurance agreement is one of adhesion. The only positive aspect regarding contracts of adhesion is that any ambiguity in the contract will be interpreted against the drafter. That often becomes important if the court must determine whether a policy term applies. If the language is unclear in anyway, the court will likely find against the drafter.
If you have any questions, feel free to contact Alexander Perchekly.