Why are insurance contracts said to be contracts of adhesion?

Why are insurance contracts said to be contracts of adhesion?



A) The values exchanged by the parties to the contract are not equal.
B) One party writes the contract, and the other party must accept the entire contract as written.
C) Only one party makes a legally enforceable promise.
D) Conditions are placed on the insurer's promise to perform.


Answer: B) One party writes the contract, and the other party must accept the entire contract as written.

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