Winona Was a Person of Average Intelligence, Education, and Experience

question 9

Multiple Choice

Winona was a person of average intelligence, education, and experience in business. She negotiated for the purchase of insurance and paid the premium. The policy was mailed to her, but before it arrived a loss was suffered. When the policy was read, Winona could not determine whether the loss was covered because the policy was too difficult to understand. The loss is:

• A) not covered unless expressly stated to be covered.
• B) covered because the insurer had an obligation to word the policy in an understandable way.
• C) not covered unless stated to be so in a rider.
• D) covered if included in an express exception to the policy.

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Definitions:

Mobile Hotspot

A feature on smartphones and portable devices that allows them to function as a wireless access point, providing internet connectivity to other devices.

Virtual Private Network

A technology that creates a secure and encrypted connection over a less secure network, such as the internet, to provide privacy and anonymity.

Cell Phone Hotspot

A feature on smartphones that allows the device to share its cellular data connection with other devices, turning it into a wireless access point.

Bluetooth Connection

A wireless technology standard for exchanging data over short distances between electronic devices.