What does the term adhesion mean in the context of insurance policies?

What does the term adhesion mean in the context of insurance policies?

• A. The policy is a take-it-or-leave-it contract with limited ability to negotiate; ambiguities favor the insured.
• B. The policy is a fully negotiable contract with extensive bargaining.
• C. The policy automatically adjusts terms based on claims history.
• D. The policy requires all parties to sign in person.

Answer: (B)