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:

Spindle

Temporary structure that moves chromosomes during nuclear division; consists of microtubules.

Motor Proteins

Proteins that convert chemical energy into mechanical work, moving along cytoskeletal filaments to transport cargo, contract muscles, or enable cell motility.

Microtubules

Cylindrical structures found in cells, crucial for maintaining cell shape, cell division, and intracellular transport.

Cancer

A disease characterized by the uncontrolled growth and spread of abnormal cells, which can form tumors and potentially lead to death if untreated.