In a unilateral contract, who has made a legally enforceable promise?

In a unilateral contract, there is a legally enforceable promise made solely by one party, which in the context of insurance is the insurer. In an insurance agreement, the insurer promises to provide coverage and pay out benefits under specified conditions, while the insured does not make any reciprocal promise to pay premiums or perform any specific actions. The insured's actions, such as paying the premium, are seen as acceptance of the offer, but they do not create a legally binding obligation in the way the insurer’s promise does.

This structure is fundamental to how insurance contracts operate. The insurer's commitment to fulfill its obligations under the policy creates the enforceable promise, meaning only the insurer can be held accountable for that promise. The insured's role is primarily to accept the terms and comply with the conditions laid out by the insurer, without making a formal promise in return. This is why the correct answer focuses on the obligation of the insurer exclusively.