[S137]

Simplified

In the mid-1980s, standard property and casualty insurance contracts, both personal lines and commercial lines, were rewritten. The intent was to modify the legalistic-style language that most ordinary insureds had difficulty understanding, and make the provisions and wording of the contracts easier to comprehend. Simplified refers to the contract language resulting from the conversion to the easy-to-read and easy-to-understand format and verbiage. Pre-simplified policies are those that existed before the conversion to simplification and contain a more legalistic-styled format and wording.