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In the context of insurance contracts, a contract of adhesion is characterized by its one-party drafting, where the insurer creates the contract and the insured has little to no ability to negotiate terms. If the language of such a contract is complicated or ambiguous, the interpretation generally favors the insured. This principle is rooted in consumer protection laws, which aim to prevent unfair advantages that might arise from the insurer's superior knowledge and control over the contract's wording.

When faced with ambiguous terms, courts often apply the doctrine of contra proferentem, which means that any unclear language in a contract should be interpreted against the interests of the party that drafted it—in this case, the insurer. This is meant to protect the insured, who may not fully understand the nuances of complex legal and insurance terminology.

As a result, if an insurance contract contains complicated language and the terms are subject to interpretation, the insured benefits from the ambiguity, ensuring that they are not penalized for the complexities introduced by the insurer.