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Freedom of contract is dying. With technology, contracts are impossibly long, one-sided monstrosities that are not even read according to multiple empirical studies (Stilp, 2026; Synder, et al., 2019; Ben-Shahar, 2009; Korobkin, 2003).
In research involving over 48,000 monthly visitors and 90 companies, less than 1/10th of 1% (.001) of buyers clicked on terms, usu...
According to Professor Boardman, customers do not read their insurance policies, and insurance companies do not draft policies to be read by customers (Boardman, 2010). Insurance companies prepare policies to be read by attorneys and the courts.
Therein lies the problem.
One recent Insurance Policy was over 300 pages (we will refer to this as the “Sample P...