For an insurance policy, which law governs in the absence of an explicit choice of law, according to the material?

• A. Place of loss
• B. Place written
• C. Domicile of insured
• D. Place of performance

Answer: (B)

When there is no explicit choice of law in an insurance policy, the law that governs the contract is the law of the place where the policy was written (the place of contracting). This matters because the contract is formed and issued in that jurisdiction, with its statutes, regulatory framework, and policy forms shaping the terms. Interpreting and enforcing the policy is most appropriately done under that state’s law, which reflects where the contract originated and was delivered to the insured.

The other loci—where the loss occurred, where performance is to be carried out, or the insured’s domicile—are not the default governing laws for the contract in the absence of a choice-of-law clause. They may matter for related issues (like where a tort occurred or where service of process is filed), but they do not determine which state's law governs the contract itself.