Perspective
Sep. 23, 2015
Examine the "reasonable expectations of the insured"
A recent court of appeal decision expounded on the "reasonable expectation of the insured" doctrine for interpreting ambiguous insurance policy provisions. By Robert J. McKennon and Joseph S. McMillen
The "reasonable expectations of the insured" doctrine has been around for decades
in California. The state Supreme Court started toying with rules that became its foundation
after the turn of the century. See Pac. Heating & Ventilating Co. v. Williamsburgh City Fire Ins. Co., 158 Cal. 367, 370 (1910) ("any ambiguity ... must be resolved in favor of the ...
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