GA Code § 33-24-16 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 24 - Insurance Generally|Article 1 - General Provisions|§ 33-24-16. Construction of Policies

 Every insurance contract shall be construed according to the entirety of its terms and conditions as set forth in the policy and as amplified, extended, or modified by any rider, endorsement, or application made a part of the policy.   (Orig. Code 1863, § 2748; Code 1868, § 2756; Code 1873, § 2798; Code 1882, § 2798; Civil Code 1895, § 2093; Civil Code 1910, § 2475; Code 1933, § 56-815; Code 1933, § 56-2419, enacted by Ga. L. 1960, p. 289, § 1.)   Law reviews.   - For annual survey article on evidence law, see 52 Mercer L. Rev. 303 (2000). For note, "Conflicts of Interest in the Liability Insurance Setting," 13 Ga. L. Rev. 973 (1979). For comment on Maddox v. Life & Cas. Ins. Co., 79 Ga. App. 164, 53 S.E.2d 235 (1949), see 12 Ga. B.J. 83 (1949). For comment on Aetna Life Ins. Co. v. Sanders, 127 Ga. App. 352, 193 S.E.2d 173 (1972), see 24 Mercer L. Rev. 967 (1973).   JUDICIAL DECISIONS   ANALYSIS    General Considerations   Construction of Words or Phrases   Construction in Favor of Insured    RESEARCH REFERENCES   Am. Jur. 2d.   - 43 Am. Jur. 2d, Insurance, §§ 540 et seq., 559 et seq.   C.J.S.   - 45 C.J.S., Insurance, § 583.   ALR.    - Pro rata provisions of insurance policy as affected by insolvency or receivership of other insurer or invalidity of other policy, 56 A.L.R. 472.    Constitutionality of compulsory arbitration or appraisal provision of standard policy, 77 A.L.R. 619.    When one deemed to have attained or passed age specified in insurance policy, 84 A.L.R. 389.    Custom or practice as regards duration of insurance risk as supplying omission in written policy in that regard, 85 A.L.R. 1334.    Election or request contemplated by policy as condition of right, option, or benefit extended thereby as predicable upon language or content of the application, 108 A.L.R. 882.    Election of option under insurance policy where person otherwise entitled to make it is dead, incompetent, or an infant, 112 A.L.R. 1063; 127 A.L.R. 454; 136 A.L.R. 1045.    Right of insured or beneficiary to enforce a policy provision more favorable to him than the standard policy; or to have policy reformed so as to include such a provision, 113 A.L.R. 773.    Kind of insurance or insurer contemplated by provision in policy of life, health, or accident insurance, or by a question in application therefor, in regard to other or additional insured or prior application therefor, 119 A.L.R. 765.    Right of insurer to reformation of policy or other relief because of its own error, not due to misrepresentation by insured, in computing premiums, indemnity, or other benefits or options under policy, 125 A.L.R. 1058.    Conflict of laws as regards effect of divorce, or other change in the relation of insured and beneficiary, upon rights beneficiary under insurance policy, 125 A.L.R. 1287.    Unsigned riders or slips physically attached to policy, or unsigned endorsements on policy, as part of insurance contract, 128 A.L.R. 1034.    Validity and enforceability of agreement, between insurer and beneficiary of insurance electing to leave proceeds in insurer's hands, as to ultimate disposition of proceeds, 138 A.L.R. 1483.    Mutual rescission, waiver, ratification, or estoppel, as regards insurer's attempt to rescind policy of insurance or particular provisions thereof, 152 A.L.R. 95.    Extension or other subsequent agreement as affected by provision of policy or statute (or qualification thereof) that policy, together with the application if endorsed thereon or attached thereto, shall constitute or shall contain the entire contract, 152 A.L.R. 384.    Full faith and credit provision as affecting insurance contract, 173 A.L.R. 1138.   Fraud or misrepresentation by insured's agent after loss as within provision avoiding policy for fraud or attempted fraud of insured, 24 A.L.R.2d 1220.   Insurer's admission of liability, offers of settlement, negotiations, and the like, as waiver of, or estoppel to assert, contractual limitation provision, 29 A.L.R.2d 636.   Doctrine of estoppel or waiver as available to bring within coverage of insurance policy risks not covered by its terms or expressly excluded therefrom, 1 A.L.R.3d 1139.   Choice of law in construction of insurance policy originally governed by law of one state as affected by modification, renewal, exchange, replacement, or reinstatement in different state, 3 A.L.R.3d 646.   Construction of express insurance policy provision restricting insurer's right to cancel or otherwise terminate coverage, 19 A.L.R.3d 1429.   Notice or proof of loss under one policy as notice or proof of loss under another provision of same policy or another policy issued by same insurer, 29 A.L.R.3d 856.   Who is "employed or engaged in the automobile business" within exclusionary clause of liability policy, 55 A.L.R.4th 261.   Liability insurance: what is "claim" under deductibility-per-claim clause, 60 A.L.R.4th 983.   Construction and effect of "rain insurance" policies insuring against rainfall on the date of concert, exhibition, game, or the like, 70 A.L.R.4th 1010.   Who is an "executive officer" of insured within meaning of liability insurance policy, 1 A.L.R.5th 132.