Principle: If an insurance policy is written in such a way that a reasonable person seeking insurance would not read it thoroughly before signing it, then the reasonable expectations of the policyholder concerning the policy' s coverage should take legal precedence over specific language in the written policy itself
Application: The insurance company should be required to cover the hail damage to Celia' s car, even though specific language in the written policy Celia signed excluded coverage for hail damage
Celia did not read the written insurance policy thoroughly before signing it, and a reasonable person in her position would not have done so either.