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What is the practical effect of an insurance policy being a contract of adhesion? The insured gets the benefit of the doubt it a poliy

What is the practical effect of an insurance policy being a contract of adhesion?
The insured gets the benefit of the doubt it a poliy contains any antiguninies or uncertianties
The insurer can sue the insured for fallure to pay any premiums.
The insured can assign the policy only with the insurer's consent
The insurer can refisse to pay claims even if the insured has conplied with al polity provisions
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