ANDREWS, Chief Judge.
Suzanne Lancaster, insured by USAA Casualty Insurance Company (USAA), appeals from the trial court's judgment in favor of USAA in her suit for bad faith cancellation of benefits. The matter was heard by the court sitting without a jury.
1. "`In a bench trial the court sits as the trier of fact and his findings shall not be set aside unless clearly erroneous. OCGA § 9-11-52(a). The clearly erroneous test is
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