Georgia Farm Bureau Mutual Insurance v. Smith

McMurray, Chief Judge.

On September 29, 1980, plaintiff William E. Smith applied for “no-fault” automobile insurance with defendant Georgia Farm Bureau Mutual Insurance Company (Georgia Farm Bureau). Pursuant to the application, Georgia Farm Bureau issued to Smith an automobile liability policy, the effective date of which was October 19, 1980. Thereafter, on July 7, 1981, Smith’s wife, Helen Marie Smith, was killed in an. automobile accident covered by the subject policy. Georgia Farm Bureau paid Mr. Smith $10,000 personal injury protection (PIP) benefits ($5,000 basic and $5,000 optional…