QUILLIAN, Judge.
We recognize the rule that: "Where a provision in an insurance policy is susceptible of two or more constructions, the court will adopt that construction which is most favorable to the insured." John Hancock Mutual Life Ins. Co. v. Frazer, 194 Ga. 201 (20 S.E.2d 915); North British &c. Ins. Co. v. Mercer,
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