Carol may be sued for the money under a theory of promissory estoppel
Explanation:
Promissory estoppel is a contract law doctrine that forbids a party from keeping a commitment even though there is no legal contract. This says an alleged party will recover damage. The term insurance includes health or financial risk protection.
The object of Promissory stoppel is to prohibit the Promisor from claiming that a simple pledge can not be lawfully honored or executed.
The promisory estoppel doctrine is part of law throughout the United States and other nations, but the exact legal conditions for promissory estoppel differ not only from country to country as well as from jurisdiction to jurisdiction in the same region, such as States.