Under a contract of adhesion, how must the terms be treated by the parties involved?

In a contract of adhesion, the terms are typically drafted by one party, usually the insurer, and presented to the other party, the insured, on a take-it-or-leave-it basis. This means that the insured does not have the opportunity to negotiate the terms; they must either accept the contract as it stands or reject it entirely. Because of this, any acceptance of the contract indicates full agreement to the stipulated terms, without the possibility for modifications or negotiations. This is a fundamental characteristic of contracts of adhesion, emphasizing the balance of power and the lack of bargaining power for the party that accepts the contract. In essence, the party accepting the contract does so in full, with the understanding that they cannot alter individual provisions or negotiate changes.