Why does the insured get the benefit of the doubt if an insurance policy contains any ambiguities or uncertainties?

Complete question:

Why does the insured get the benefit of the doubt if an insurance policy contains any

ambiguities or uncertainties?

A) because insurance contracts are aleatory

B) because insurance contracts are unilateral

C) because insurance contracts are conditional

D) because insurance contracts are contracts of adhesion

Answer: because insurance contracts are contracts of adhesion (Option D)

Explanation:

The insured gets a benefit of doubt if an insurance policy contains any ambiguities or uncertainties because it is included in the policy document been given to a policyholder at the inception of the insurance policy, which is stated in the arbitration clause of the policy document.