Ivey v. First of Georgia Insurance

Under Georgia law, the coverage provisions of an insurance policy are to be liberally construed and exclusions of an insurance policy are to be strictly construed. In affirming the trial court’s grant of summary judgment for the insurer, the majority opinion breaches this rule of construction by liberally interpreting a policy exclusion.

The policy in question in this case generally covered an occurrence, defined as “an accident, including exposure to conditions, which results ... in bodily injury; or property damage.” However, the policy excluded coverage for bodily injury or property damage…