---
title: O.C.G.A. § 33-24-16. Construction of policies.
collection: code
id: 33-24-16
cite_as: O.C.G.A. § 33-24-16 (2025)
canonical_url: https://georgiacommons.org/code/33-24-16
md_url: https://georgiacommons.org/code/33-24-16.md
text_url: https://georgiacommons.org/code/33-24-16/text
source_url: https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t33-ch23-65-(v25)-2020-pdf.pdf?sfvrsn=68297_0#page=183
date: 2025
status: active
corpus_version: 2025-supplement-89aa39ab3c68
license: CC0-1.0
publisher: Georgia Commons, an independent project of Georgia Civic Data. Not the State of Georgia. Not legal advice.
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version: the only printed version
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current_through: Including Acts of the 2025 Regular Session of the General Assembly
heading_path: INSURANCE / INSURANCE GENERALLY / GENERAL PROVISIONS
---

# O.C.G.A. § 33-24-16. Construction of policies.

Every insurance contract shall be construed according to the entirety of its terms and conditions as set forth in the policy and as amplified, extended, or modified by any rider, endorsement, or application made a part of the policy.

## History

Orig. Code 1863, § 2748; Code 1868, § 2756; Code 1873, § 2798; Code 1882, § 2798; Civil Code 1895, § 2093; Civil Code 1910, § 2475; Code 1933, § 56-815; Code 1933, § 56-2419, enacted by Ga. L. 1960, p. 289, § 1.

## Law Reviews

For annual survey article on evidence law, see 52 Mercer L. Rev. 303 (2000).

For note, ‘‘Conflicts of Interest in the Liability Insurance Setting,’’ 13 Ga. L. Rev. 973 (1979).

For comment on Maddox v. Life & Cas. Ins. Co., 79 Ga. App. 164, 53 S.E.2d 235 (1949), see 12 Ga. B.J. 83 (1949). For comment on Aetna Life Ins. Co. v. Sanders, 127 Ga. App. 352, 193 S.E.2d 173 (1972), see 24 Mercer L. Rev. 967 (1973).