Which group does not have the legal capacity to contract?

The group that does not have the legal capacity to contract includes minors, mental incompetents, and those under the influence. This is due to established legal principles regarding the capacity required to enter into contracts.

Minors are typically not considered to have the legal capacity to understand and consent to contractual obligations, thereby rendering most contracts unenforceable against them unless they are for necessities or have been ratified upon reaching the age of majority. Mental incompetents, including individuals who are mentally incapacitated or suffering from conditions that affect their ability to understand the contract, also lack the capacity to enter into valid agreements. Similarly, individuals who are under the influence of substances may not be fully aware of the implications of the contracts they are signing, which can also lead to issues of enforceability.

In contrast, individuals with past insurance experience, adults who have been insured before, and people seeking optional insurance coverage generally possess the requisite understanding and ability to form a binding agreement. Their prior experience or current quest for coverage does not inhibit their legal capacity in the context of forming contracts.