What is an Ambiguity?
When an insurance company fails to express itself clearly its policy can be construed against it based upon an ambiguity. In Missouri ambiguity has been described as language which is fairly susceptible of more than one interpretation. It arises where there is duplicity, indistinctness or uncertainty in the meaning of the words appearing in the insurance contract. In other words an ambiguity is an expression in the contract, that when applied to a specific fact situation creates an uncertainty as to whether coverage does or does not exists based upon the agreement itself.
Ambiguity is only one possible theory to defeat an insurance companies denial of coverage. Anyone who has received an insurance coverage denial should consult with a Missouri attorney experienced in insurance law.