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Old 03-31-2017, 06:31 AM
  #10  
SeaJay
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Join Date: Jun 2002
Location: Long Island,NY
Posts: 11,963
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Insurance contracts are what is known in legal circles as contracts of adhesion. What that means is that the issuer of these contracts is at a bit of an advantage, and that any confusion or lack of clarity in the terms and conditions of those contracts will be arbitrated in the favor of the policyholder.

There are thousands of court rulings over the decades to parse out what is, and what isn't covered by those insurance contracts.
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