ABSTRACT
The instant case presents yet another illustration of the dangers of the present complex structuring of insurance policies. Unfortunately, the insurance industry has become addicted to the practice of building into policies one condition or exception upon another in the shape of a linguistic Tower of Babel. We join other courts in decrying a trend which both plunges the insured into a state of uncertainty and burdens the judiciary with the task of resolving it. We reiterate our pleas for clarity and simplicity in policies that fulfil so important a public service [Insurance Co of North America v Electronic Purification Co 67 Cal 2d 679 (1967); 433 P 2d 174 (1967)].
