What is the practical effect of an insurance contract being a contract

What is the practical effect of an insurance contract being a contract of adhesion?

A) The insurer can refuse to pay claims if the insured has not complied with all policy provisions.
B) The insured can assign the policy only with the insurer’s consent.
C) The insurer can sue the insured for failure to pay any premiums.
D) The policy is interpreted in the insured’s favor if the policy contains any ambiguities or uncertainties.

ANSWER

Answer: D