This is another in the line of no-fault motor vehicle insurance cases growing out of the decisions in
Jones v. State Farm Mut. Auto. Ins. Co.,
On May 20, 1976, D. J. Montgomery applied to Georgia Farm Bureau Mutual Insurance Co. (Georgia Farm Bureau) for a motor vehicle liability insurance policy. The application completed by Montgomery is identical to the one recently reviewed by this court in the Tolison case, supra. On October 21, 1981, Montgomery was injured in an automobile accident, incurring medical expenses of nearly $26,000 and lost wages of approximately $16,000. Upon proof of claim Georgia Farm Bureau tendered to Montgomery the basic $5,000 Personal Injury Protection (PIP) benefits, together with $1,000 for medical expenses, as provided by the policy’s terms.
In September 1982 Montgomery sued Georgia Farm Bureau, alleging that the company had failed to make available optional PIP coverage as required by OCGA § 33-34-5 (b), and demanding payment of full optional benefits in the amount of $34,788.90, plus statutory penalties, punitive damages, and attorney fees for bad faith refusal to pay his claim. Georgia Farm Bureau answered, then filed á separate motion to dismiss that portion of the complaint seeking statutory penalties, punitive damages, and attorney fees. Supporting and opposing briefs were filed by the respective parties.
In its Order on Contested Issues of Law dated July 1, 1983, the trial court reviewed the nine defenses raised by Georgia Farm Bureau’s answer, found each to be legally insufficient, and ordered the defenses stricken. See OCGA § 9-11-12 (f). The parties later stipulated to the remaining contested factual issues, and on September 12, 1983, the court entered judgment for Montgomery in the amount of $33,521.51. In Case No. 40806, Georgia Farm Bureau appeals from these rulings by the trial court. By a separate order dated July 1, 1983, the court granted Georgia Farm Bureau’s motion for partial summary judgment as to Montgomery’s claims for statutory penalties, punitive damages and attorney fees. Montgomery appeals this ruling in Case No. 40805.
1. In Case No. 40806 Georgia Farm Bureau argues that the trial court erred in striking its defenses and entering judgment for Montgomery on his claim for optional PIP benefits. The thrust of Georgia Farm Bureau’s argument is that factual issues remain as to the sufficiency of the form used by Georgia Farm Bureau and as to whether Montgomery was ever aware of his right to purchase optional PIP coverages when he completed his application. In light of our recent disposition of
Tolison v. Ga. Farm Bureau Ins. Co.,
supra, however, neither of these contentions has merit. In
Tolison,
a five-member majority of this court agreed that an identical form did not meet the
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requirements set out in OCGA § 33-34-5 (b). We also held that the resolution of the factual issue of whether an insured is aware of optional coverages under the statute is made by reference to the printed application itself — that is, an insurer will not be allowed to “go behind” its faulty form and introduce evidence of a knowing rejection of benefits by the insured.
Tolison,
supra at 101;
Flewellen v. Atlanta Cas. Co.,
2. Georgia Farm Bureau’s remaining enumerations of error are not supported by argument or citation of authority and are deemed abandoned pursuant to Supreme Court Rule 45.
3. In Case No. 40805, Montgomery appeals from the order denying him statutory penalties, punitive damages, and attorney fees. See OCGA § 33-34-6 (b) (c). The trial court cited
GEICO v. Mooney,
Judgment affirmed in Case Nos. 40805 and 40806.