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

medasmx@protonmail.com on January 18, 2022

looking at again i guess one says they did not read the policy and the other one says a reasonable person would not have read the policy. so for the principle a reasonable person does not read the policy and a reasonable person would have expected “insert whatever” coverage

jakennedy on January 19, 2022

Hi,

The principle here is a conditional statement:

sufficient condition: Reasonable person would not read it

necessary condition: Reasonable expectations of policyholders should take precedence over specific language in the policy itself.

The application then states that Celia should be required to pay for hail damage.

We can attempt to predict ahead of time what it would take to justify this application using the principle. First, we would have to fulfill the sufficient condition that a reasonable person would not read the policy.

Answer choices B, C, and E all accomplish this. Answer choice D, however, never states that a reasonable person would not have read the policy, so it cannot be correct.

Secondly, we have to make sure that Celia both expected hail damage to be covered and that her expectation is reasonable.

Answer choices C and E miss both of these points.

This leaves answer choice B which has everything that we need.

Takeaway:

These principle + application questions are a matching game. Predict ahead of time what components you will need, and then make sure they are all present in the answer choice that you select.

Hope this helps!