What would stop these ridiculous policy stuffs is proactive attack on the following clause.. For steam policy its 13.. ironically 12 is the part on the arbitration bs..
In the event that any provision of this Agreement shall be held by a court or other tribunal of competent jurisdiction to be unenforceable, such provision will be enforced to the maximum extent permissible and the remaining portions of this Agreement shall remain in full force and effect. This Agreement constitutes and contains the entire agreement between the parties with respect to the subject matter hereof and supersedes any prior oral or written agreements. You agree that this Agreement is not intended to confer and does not confer any rights or remedies upon any person other than the parties to this Agreement.
In the old days, if you found a part of a policy unbinding legally, the whole policy is dismissed, they think this paragraph protects that, when they stuff it with a bunch of non legal mumbo jumbo..
See they cleverly state that if any of their policy is not legal in your jurisdiction, then it don'y apply to you.. So basically some state somewhere is paid off, this AAA infested nonsense... So they get by with allowing this kind of law.... Then they disclaim it.. Now they clause it so if not legal, they are still safe with their other statements.
One new simple law fixes all this nonsense.. THE ABILITY TO KILL THE ENTIRE POLICY IF INDEED ONE FACT IS PROVED TO BE LEGALALLY UNBINDING. This would put at end to what all this is.. a joke of a paper that just wants to limit damage to oneself and nothing to do with an "agreement"