Does a consumer insurance policy need to be amended or amended so that the exclusionary language in the policy does not have to be changed?

3 The inclination to do so is understandable in view of the recognized fact that consumer insurance policies are classic contracts of adhesion. (See generally Ponder v. Blue Cross of Southern California (1983) 145 Cal.App.3d 709, 719-720, 193 Cal.Rptr. 632.) The successive versions of the policy in this case give testimony to the fact that exclusionary language is simply rewritten until judicial interpretation of that language is consistent with the intent of the insurer.