| 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. |