Contract of Adhesion

A “take it or leave it” contract written entirely by one side (the insurer). Because you can’t negotiate the wording, courts read ambiguities in your favor.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.