According to the characteristics of insurance contracts, which term signifies that the insured has no control over the wording?

The term that signifies that the insured has no control over the wording of the contract is "adhesion." Adhesion contracts are typically drafted by one party, usually the insurer, and presented to the other party, usually the insured, on a "take it or leave it" basis. This means that the insured does not have the opportunity to negotiate the terms or modify the clauses in the contract. As a result, any ambiguity in the contract is generally interpreted in favor of the insured, which is a key characteristic of adhesion contracts.

In the context of insurance, this characteristic is significant because it reflects the imbalance of power in the contractual relationship. The insurer, being the party that creates the contract, holds the upper hand, and the insured may have to accept terms that they do not fully understand or agree with. This can lead to a greater need for regulation and consumer protection in the insurance industry, as policyholders often rely heavily on the insurer's representations and assurances regarding the coverage provided.

The other terms referenced, such as unilateral, conditional, and personal, contain different meanings within the context of insurance contracts. Unilateral refers to the fact that only one party, the insurer, makes a legally enforceable promise, while conditional relates to the concept that the