ANDREWS, Judge.
Carreker was injured in an automobile collision on May 7, 1990, while riding as a passenger in Miles' car, and incurred $3,250 in medical expenses as a result of her injuries. Miles was insured under an automobile liability insurance policy issued by Southern General Insurance Company (SGIC) providing minimum personal injury protection (PIP) coverage under OCGA § 33-34-4, and containing a $1,500
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