A policy of adhesion can only be modified by whom?

In the context of insurance, a policy of adhesion is a contract that is drafted by one party, typically the insurer, and presented to the other party, the insured, on a take-it-or-leave-it basis. This means that the terms of the policy are non-negotiable, and the insured must accept them as they are or opt not to purchase the insurance.

Since the insurance company is the entity that creates the policy and sets the terms, it is solely responsible for any modifications to the policy. The inability for the policyholder to unilaterally modify the terms reflects the nature of adhesion contracts, where the insured does not have the power to negotiate. Therefore, any changes or amendments can only be made by the insurance company, which maintains the authority over the contract's terms. Independent agents and regulatory authorities do not have the authority to alter the terms of the policy; rather, they may facilitate communication or compliance. This distinction underscores the legal principle governing adhesion contracts and the balance of power typically favoring the insurer.