...*333 Cannon was insured under her own policy that included both basic and optional personal injury protection benefits. At the time of the collision, she lived with her father, who held an insurance policy on his own vehicle. The trial court, as provided by OCGA §
33-34-9 (b), deducted $2,500 from a $4,300 jury award for medical expenses that was returned in favor of Cannon and against Lardner, who was the driver of the other vehicle. Lardner, however, argues that the entire $4,300 should have been deducted because, he contends, Cannon was eligible to receive, under her father's policy, the remaining $1,800 of medical expenses, [1] and, in that event, OCGA §
33-34-9 (b) would preclude her from recovering the excess from him as the tort-feasor. (a) If Cannon were eligible to collect under the "minimum coverage" (being that required by OCGA §
33-34-4 (a)) of her father's policy, then she could not recover any funds for which she were so eligible from the tort-feasor. OCGA §
33-34-9 (b)....
...(c) Because Cannon is not an "insured" under her father's policy as concerns the collision involved here, she is not "eligible for economic loss benefits" (i. e., for the "minimum coverage" required by OCGA §
33-34-4) under that policy. (d) Accordingly, she is not precluded by OCGA §
33-34-9 from "pleading or recovering in an action for damages against a tort-feasor" Lardner those damages for which compensation for economic loss is not available under the "minimum coverage" requirements of OCGA §
33-34-4....