What doctrine may courts apply when interpreting insurance policies to meet expectations?

The Reasonable Expectations Doctrine is the correct choice because it guides courts in interpreting insurance policies in a manner that aligns with the reasonable expectations of the policyholder. This doctrine acknowledges that policyholders may not always fully understand complex legal language or the fine details of their insurance contracts. Therefore, if a policyholder has a reasonable belief about the coverage provided by their policy, courts will consider that belief when interpreting the terms of the policy, even if those interpretations may differ from a strict reading of the contract.

This doctrine is particularly significant in the insurance context, as it helps to protect consumers who may not be aware of certain exclusions or technicalities within the policy. By focusing on what an average policyholder would reasonably expect, courts can promote fairness and uphold consumer protection standards in insurance law.