Final answer:
Dr. Kim Brainiac, a neurosurgeon, has a policy with TYM Insurance to insure her eyes and hands against a disabling injury. The policy contains TYM's standard language and does not specify what kind of injuries are covered or the types of activities that Dr. Kim is prohibited from doing. If Dr. Kim crushes her hand against a rock while whitewater rafting, the policy will probably be enforced in favor of Dr. Kim Brainiac.
Step-by-step explanation:
The question addresses the enforcement of an insurance policy when it comes to a disabling injury sustained by an insured individual in the course of an activity that is not specifically covered or excluded by the policy.
Since the policy under TYM Insurance contains standard language and does not explicitly exclude injuries from certain activities, the policy would likely be enforced in favor of Dr. Kim Brainiac if she crushed her hand while whitewater rafting.
Insurers are typically required to cover any circumstances not expressly excluded in the policy, and if the injury to her hand is disabling, it falls under the coverage for her eyes and hands as stated in the policy.