Principle: If an insurance policy is written in such a way that a reasonable person seeking insurance would not read ...

Emil-Kunkin on January 28, 2022

Hi @kaiplanet, we're trying to find an answer that justifies the application of the principle. Our principle is that if a policy is written in a way that a reasonable person would not read it, then the reasonable expectations of the customer should prevail over the actual language of the policy.

In other words, if someone would not be expected to read the policy, then expectations can supersede the actual language. We are then told that Celia should be compensated for damage even though her policy did not cover it. For the principle to be rightly applied, we would need to establish two things.
1: the policy was written in a way that a reasonable person would not read it
2: Celia's expectation that the hail damage would be covered is reasonable.

A does not actually establish either. We are told she is reasonable in general, but not that her expectation about this specific policy was reasonable. More important, we are not told if the policy was written in a way that a reasonable person would not read it. Therefore, A does not justify the application.

B fulfills both of our criteria. B is correct.

C goes against our first criterion.

D does not exactly match either of our criteria.

E fails to mention the second criterion.