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of <h1>Insurance policy ambiguities interpreted against insurers who drafted them under contra proferentem rule</h1> The contra proferentem rule resolves ambiguities in insurance policies against the party who drafted them, typically the insurer. When policy language is genuinely ambiguous, courts interpret it favorably to the insured, who had no role in drafting. The rule only applies to true ambiguities, not to create doubt where none exists. It protects insureds from unfavorable interpretations of unclear terms, particularly in standard form contracts where insureds lack bargaining power. The principle requires insurers to use clear, unambiguous language since they control policy drafting. Courts must first identify genuine ambiguity before applying the rule.
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