保险基本原理第 234 / 531 题
An adjuster accepts a late proof of loss, inspects the damage and negotiates for weeks, then denies the claim because the proof was late. The insurer is most likely barred by:
a.estoppel, after conduct that waived the filing requirement
b.utmost good faith, which obliged the insured to file on time
c.adhesion, which reads an unclear wording in the insurer's favor
d.subrogation, which moves the loss to the party truly at fault
解析
Waiver is the voluntary giving up of a known right, and estoppel prevents a party from taking back a position that the other side reasonably relied on to its detriment; by handling the claim as though the late proof were acceptable, the insurer gave up that defense. Adhesion is described backwards here, because ambiguous wording drafted by the insurer is construed against the insurer and in favor of the insured.
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