California, United States of America
The following excerpt is from National Auto. & Casualty Ins. Co. v. Stewart, 223 Cal.App.3d 452, 272 Cal.Rptr. 625 (Cal. App. 1990):
Moreover, it is not entirely settled whether requirements of clarity and conspicuousness apply in the absence of "disappointed" reasonable expectations. (See Ponder v. Blue Cross of Southern California, supra, 145 Cal.App.3d at p. 720, 193 Cal.Rptr. 632.)
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