Nodak Ins. Co. v. Farm Family Casualty Ins. Co.

Citations

• 2023 ND 84

Syllabus

Interpretation of an insurance policy is a question of law, fully reviewable on appeal. If coverage hinges on an undefined term, the plain, ordinary meaning of the term applies in interpreting the contract. While insurance policies are regarded as adhesion contracts and ambiguities are resolved in favor of the insured, a contract will not be rewritten to impose liability on an insurer if the policy unambiguously precludes coverage. The phrase \similar insurance\ used in an automatic termination or cessation provision means similar in type and in amount.