Which of the following best describes the nature of contracts of adhesion?

Contracts of adhesion are defined by their one-sided nature, where one party typically drafts the contract with specific terms, leaving little to no room for negotiation by the other party. This imbalance establishes a scenario where the drafting party has significantly more power to dictate the terms. Such contracts are often found in situations where a consumer has to accept the terms offered by a seller, such as in insurance policies, where the insurer might dictate the contract terms entirely.

The key characteristic of contracts of adhesion is this power dynamic. The party that creates the contract has the ability to set the terms as they see fit, and the other party is left to accept or reject the contract as a whole, without the ability to negotiate individual clauses. This is what distinguishes them from typical contracts, where both parties can engage in the negotiation process to reach mutual agreement. Thus, the definition aligns perfectly with the idea of one party having more power, confirming why this choice accurately describes the nature of contracts of adhesion.