Insurance policies are considered to be contracts of adhesion. This means that:

1 the named insured is required to adhere to all provisions of the contract or it will be rescinded.

2 the insurer is required to adhere to all provisions of the contract or will be subject to penalties.

3 the insured had the ability to negotiate the wording of coverage forms with the insurance company.

4 the insurer drafted the contract, and the insured takes it or leaves it as offered, so ambiguous provisions are interpreted in favor of the insured.