When one provision of an insurance agreement is found to be unenforceable, what generally occurs?

When a provision of an insurance agreement is found to be unenforceable, the general outcome is that the remainder of the agreement typically remains in effect. This principle is grounded in the idea that contracts are designed to be interpreted as a whole. If one part fails, it does not inherently affect the validity of the other provisions, provided that those provisions can stand on their own without the vacated part.

This concept supports the overall integrity of the contract, allowing it to function despite flaws in specific sections. It is essential to maintain coverage and adhere to the terms that are still enforceable unless they are so intertwined that one invalidates the other completely. Therefore, the insured continues to have obligations, and the insurer remains bound by the valid parts of the policy.