DEEN, Presiding Judge.
1. "[A] contract of insurance couched in language chosen by the insurer is, if open to the construction contended for by the insured, to be construed most strongly, or strictly, against the insurer and liberally in favor of the contention of the insured." Fokes v. Interstate Life &c. Ins. Co., 59 Ga.App. 680 (2 S.E.2d 170); Southeastern Fidelity Ins. Co. v. McDonald,
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