Self-study
Principle: Support If an insurance policy is written in such a way that a reasonable person seeking insurance would not read it thoroughly before signing it, then the reasonable expectations of the policyholder concerning the policy's coverage should take legal precedence over specific language in the written policy itself.
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Summary
Principle:
If insurance policy written in way that a reasonable person seeking insurance wouldn’t read it thoroughly before signing → the reasonable expectations of the policyholder concerning coverage gets legal precedence over the language of the policy
Conclusion: Insurance company should be required to cover the hail damage to Celia’s car.
Find or Complete the Application
The principle triggers if the insurance policy is written in a way that a reasonable person seeking insurance wouldn’t read it thoroughly before signing it. So, we want to learn that the insurance policy Celia signed was written in a way that a reasonable person wouldn’t have read it thoroughly before signing. (It doesn’t matter whether Celia did read the policy or not — it’s about what a reasonable person would have done.)
In addition, we want to know that the reasonable expectation of Celia was that the policy covers hail damage to Celia’s car.
14.
Which one of the following, ██ █████ ████ █████████ ███ █████ ███████████ ██ ███ ██████████
a
Celia is a ██████████ ███████ ███ ███ ████████ ███ █████████ ██████ ██ █████ ████ ██████ ██ ███ ████
We still don’t know whether the policy was written in a way that a reasonable person wouldn’t have read it before signing.
b
Given the way ██ ███ ████████ █ ██████████ ██████ █████ ███ ████ ████ ███████ █████████ ██████ ██████████ ██████ ███████ ███ ███ █████ ██████████ ████████ ███ ██████ ██ █████ ████ ███████
This establishes that the policy was written in a way that a reasonable person wouldn’t have read it before signing. And, it also establishes that Celia’s reasonable expectation was that the policy would cover the hail damage. Based on the principle, then, Celia’s expectation takes legal precedence.
c
The insurance policy ████ █████ ██████ ███ ███████ ██ ████ █ ███ ████ █ ██████████ ██████ █████ ███ ████ ██ ██████████ ██████ ███████ ███ ███ █████ ███ ████ ███ ██████ ██████████ ██████ ███████ ███
This doesn’t establish that Celia reasonably expected the policy would cover hail damage to her car.
d
Celia did not ████ ███ █████████ ██████ ██████████ ██████ ███████ ███ ███ █ ██████████ ██████ ██ ███ ████████ █████ ██████ ████ ███ ██████ █████ █████ ████ ███████
This doesn’t establish that the policy was written in such a way that a reasonable person would not have read the policy thoroughly before signing it.
e
Celia did not ████ ███ ███████ █████████ ██████ ██████████ ██████ ███████ ███ ███ █ ██████████ ██████ ██ ███ ████████ █████ ███ ████ ████ ██ ███████
This doesn’t establish that Celia reasonably expected the policy would cover hail damage to her car.