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

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.