Max True Plastering Co. v. United States Fidelity & Guaranty Co.

KAUGER, Vice Chief Judge.

Two issues are presented by the questions certified: 1 1) whether the doctrine of reasonable expectations applies to the construction of insurance contracts in Oklahoma; and 2) what circumstances give rise to the doctrine’s operation. Under the reasonable expectations doctrine, the objectively reasonable expectations of applicants, insureds and intended beneficiaries concerning the terms of insurance contracts are honored even though painstaking study of the policy provisions might have negated those expecta tions. 2 We find that the reasonable expectations doctrine…