Contracts where one party is incapable of getting the contract enforced are useless for that party. In the insurance case, an insured natural person may have lo

Contracts where one party is incapable of getting the contract enforced are useless for that party. In the insurance case, an insured natural person may have lost the means to do so as a direct result of the event that leads to the insurance claim. If you lose your family and house in a fire, with marginal savings, then you may not be able to afford a lawyer and your contract is useless in the truest sense of the word. Unlikely situation? Yes, but then, that's exactly what insurance is all about.