Nixon v. St. Paul Fire & Marine Ins. Co., 64657

• Decision Date: 11 March 1983
• Docket Number: No. 64657,64657
• Citation: 166 Ga.App. 38,303 S.E.2d 158
• Court: Georgia Court of Appeals
• Parties: NIXON v. ST. PAUL FIRE & MARINE INSURANCE COMPANY.

Page 158

303 S.E.2d 158

166 Ga.App. 38

NIXON v. ST. PAUL FIRE & MARINE INSURANCE COMPANY.

No. 64657.

Court of Appeals of Georgia.

Decided March 11, 1983.

Rehearing Denied March 29, 1983.

Charles A. Mullinax, Stone Mountain, for appellant.

H. Andrew Owen, Jr., Perry A. Phillips, Atlanta, for appellee.

John R. Rogers, Ashburn, James E. Butler, Jr., Columbus, Alfred L. Allgood, Gainesville, Andrew W. Estes, Savannah, Don C. Keenan, Lamar W. Sizemore, Jr., William S. Stone, Charles A. Wiley Jr., Donald M. Fain, Atlanta, amici curiae.

McMURRAY, Presiding Judge.

This is another automobile insurance coverage case reaching us following our decision in Jones v. State Farm Mut. Auto. Ins. Co., 156 Ga.App. 230, 232-233, 274 S.E.2d 623, and before our whole court decision in the cases of Atlanta Cas. Co. v. Flewellen and Van Dyke v. Allstate Ins. Co., 164 Ga.App. 885, 300 S.E.2d 166 reversing the trial court in Flewellen and affirming the trial court in Van Dyke. This whole court decision in Flewellen and Van Dyke also overruled Jones v. State Farm Mut. Auto. Ins. Co., supra. We note here that members of the insurance industry have developed their own particular application forms and none of them are exactly the same.

In the case sub judice, St. Paul Fire & Marine Insurance Company brought an action for declaratory judgment against Randy Clark Nixon contending that the defendant in making application for no-fault benefits on his automobile policy specifically rejected the optional coverage by checking the appropriate box for such rejection, the petition containing an exhibit showing a copy of the application. We note that the application attached showed only one signature of the applicant at the bottom of the page with reference to the purchase of additional coverage. This one signature applied to all offers to purchase additional coverage including personal injury protection and vehicle property damage coverage.

The defendant filed his answer and counterclaim. In his counterclaim defendant contended that plaintiff "violated the law by failing to make available optional coverage in the manner required by Georgia Code Annotated § 56-3403b [sic] [Code Ann. § 56-3404b(b) (Ga.L.1974, pp. 113, 117; 1975, pp. 3, 4; 1975, pp. 1202, 1206)]." Defendant contended that on June 17, 1980, he was seriously injured in an automobile accident and on October 15, 1981, he "elected to accept the maximum optional personal injury protection coverage and tendered to Plaintiff the premiums due for such additional coverage". In paragraph 5 of his counterclaim defendant contended that plaintiff "has failed and refused to pay these optional benefits lawfully due Defendant" and sought to recover "those benefits and also ... the statutory penalty for ... non-payment ... plus punitive damages, plus attorney fees." Defendant subsequently moved the court for partial summary judgment as to paragraph 5 of his counterclaim.

The trial court in consideration of defendant's motion for partial summary judgment denied same and held that the plaintiff's " 'Offer to Purchase Additional Coverage Application,' as signed by the Defendant meets the requirement of Georgia Code Annotated § 56-3404[b](b) [supra] and that by Defendant's execution of the same he specifically rejected optional no-fault benefits." The trial court then held plaintiff insurer was entitled to judgment as a matter of law.

The defendant appeals contending the judgment of the trial court is contrary to Jones v. State Farm Mut. Auto. Ins. Co., 156 Ga.App. 230, 232-234, 274 S.E.2d 623, supra. Held:

While the application for insurance in the case sub judice and that of Flewellen, supra, and Van Dyke, supra, differ somewhat from that in Jones, supra, nevertheless it is clear that in the case sub judice there is only one signature on the application attached with reference to the purchase of additional coverage including personal injury protection and vehicle property damage coverage. The case sub judice is controlled by the Supreme Court's decision in the cases of Flewellen v. Atlanta Cas. Co. and Van Dyke v. Allstate Ins. Co., 250 Ga. 709, 300 S.E.2d 673 reversing our judgment in Flewellen, supra, and affirming our judgment in Van Dyke, supra. In that decision the Supreme Court held "that the requirements of subsection (b) [OCGA § 33-34-5(b) prior to being amended...