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14 THE INSURANCE CONTRACT: CONTENTS

Law of Insurance Contracts

Chapter 14 THE INSURANCE CONTRACT: CONTENTS 14-1 THE CONTRACT, AND THE PAROL EVIDENCE RULE This book is about insurance contracts, for which the law does not in general require any particular form ( above, 11-2A1 ). Nonetheless, in most cases the contract is recorded in a document called a policy. To construe the policy, the reader must first know whether the policy stands alone. When are the terms of the contract of insurance or the meaning of the terms in the policy found by evidence of party intention emanating from outside the policy? This is a question of evidence, not a question of construction, but it is a necessary precursor of any discussion of rules of construction. 1

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