Logical ReasoningDifficulty: Medium

PT135 S1 Q14 Explanation

Principle: If an insurance policy

A free, expert breakdown of this official LSAT Logical Reasoning question.

TopicsPrinciple-Strengthen

Keep going in LSAT Lab

  • Save & drill this skill build targeted practice sets from questions like this one

  • Video walkthroughs watch every question solved step by step

  • 81 official LSATs as questions, timed sections & full-length tests

Full official LSAT questions are available through LawHub. This page provides LSAT Lab's explanation, strategy, and review tools without republishing the full official question.

Stimulus

Principle: If an insurance policy is written in such a way that a reasonable person seeking insurance would not read it thoroughly before signing it, then the reasonable expectations of the policyholder concerning the policy's specific language in the written policy itself.

Application: The insurance company should be required to cover the hail damage to Celia's car, even though specific language in the written coverage for hail damage.

What this question is testing

Principle-Strengthen

Your task

Break the argument into its conclusion and evidence, then do exactly what the question stem asks with that structure.

Common trap

Answers that sound relevant to the topic but don't connect to the argument's actual reasoning.

Winning move

Predict what a right answer must do, then test each choice against the conclusion-evidence gap.

Reading along? Open the full official question in LawHub — we show a fragment here and keep the reasoning in our own words.

The question
14.

Which one of the following, if true, most justifies the above application

Answer choices

  1. Weak Match5% picked this

    Celia is a reasonable person, and she expected the insurance policy to cover hail damage

    The rule stipulates that it's both a reasonable person and a reasonable expectation. One does not imply the other, since reasonable people sometimes have unreasonable expectations. And this answer doesn't address whether the insurance policy was written in a way that discouraged reading it.

  2. Correct76% picked this

    Given the way it was written, a reasonable person would not have read Celia's insurance policy thoroughly before signing it, and Celia reasonably expected

    Why this is right

    This satisfied all of our needs: - the insurance policy had to be written in a way that no reasonable person would have read it thoroughly before signing it. "Given the way it's written, reasonable wouldn't read ..." - it must be the reasonable expectations of a policyholder concerning the policy's coverage that, "hail damage is covered by this policy" "Celia reasonably expected hail coverage"

    Skill tested: Principle-Strengthen · how this choice captures the argument's function is the move to repeat next time.

  3. Bad #2 Match2% picked this

    The insurance policy that Celia signed was written in such a way that a reasonable person would not read it thoroughly before signing it,

    1. the insurance policy had to be written in a way that no reasonable person would have read it thoroughly before signing it. Looking good, the first half matches up. - it must be the reasonable expectations of a policyholder concerning the policy's coverage that, "hail damage is covered by this policy" If she thoroughly read the policy before signing it, then it would be unreasonable for her to have expected hail coverage, since there was specific language in the policy she thoroughly read that excluded hail coverage.

  4. Missing #112% picked this

    Celia did not read the insurance policy thoroughly before signing it, and a reasonable person in her position would assume that the

    1. the insurance policy had to be written in a way that no reasonable person would have read it thoroughly before signing it. No information provided about whether this is the sort of policy where there "don't have to read it / reasonable expectations are honored" applies. - it must be the reasonable expectations of a policyholder concerning the policy's coverage that, "hail damage is covered by this policy"

  5. Missing #25% picked this

    Celia did not read the written insurance policy thoroughly before signing it, and a reasonable person in her position would

    - the insurance policy had to be written in a way that no reasonable person would have read it thoroughly before signing it. Cool, we establish that reasonable people wouldn't read it, just like Celia didn't. - it must be the reasonable expectations of a policyholder concerning the policy's coverage that, "hail damage is covered by this policy" Nothing is established about whether it was reasonable to expect hail coverage.

Continue the review in LSAT Lab

Save this question, watch the video walkthrough, and drill similar questions in your LSAT Lab account.

LSAT Lab

Turn this review into a targeted study plan.

Save this question, drill more like it, watch the video walkthrough, and track your progress in your LSAT Lab account.

Start practicing free