Construction of insurance policies under Georgia law
Where a term of a policy of insurance is susceptible to two or more constructions, even when such multiple constructions are all logical and reasonable, such term is ambiguous and will be strictly construed against the insurer as the drafter and in favor of the insured. Exceptions and exclusions to coverage must be narrowly and strictly construed against the insurer and liberally construed in accordance with the reasonable expectations of the insured to afford coverage.
Supporting legal authorities cited in Atlanta Injury Lawyer Blog link below. .