If I think certain words in my policy mean something different from what my insurance company says they mean, how do we resolve it?
The law recognizes that insurance policies are complex and that the insurance companies, which obviously have an unequal bargaining position with respect to their insured, write policies. For this reason, the courts have developed certain "rules of construction" for reading insurance policies, which tend to favor the interests of the insured. If there is more than one reasonable way to interpret a certain policy provision, the courts will favor an interpretation that supports coverage under the policy rather than an interpretation that would support denial of coverage. If there is more than one reasonable way to read a coverage exclusion, the courts will tend to favor the narrowest interpretation of the exclusionary language.
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