A contract drafted by an insurer, allowing no input from the insured, is referred to as a(n):

A contract drafted by an insurer that allows no input from the insured is referred to as a Contract of Adhesion. This type of contract is characterized by the fact that one party, typically the insurer, holds significantly more power and decides the terms of the contract without negotiations. The insured, therefore, must accept the contract as it is presented, leading to the term "adhesion," which reflects the nature of the agreement being adhered to by the insured without the ability to modify or negotiate the terms.

Contracts of adhesion are common in insurance policies, where the complex legal language and comprehensive terms are laid out almost exclusively by the insurer. This approach is generally accepted in the insurance industry, but it is also subject to scrutiny because if there are ambiguities or uncertainties in the contract, they may be interpreted in favor of the insured, as they did not have the opportunity to negotiate the terms.

Understanding this concept is essential as it highlights the imbalance often present in insurance contracts, reinforcing the importance of reading and comprehending the terms before agreeing to them.