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
The insurance policy that Celia signed was written in such a way that a reasonable person would not read it thoroughly before signing it, but Celia did read the policy thoroughly before signing it.