Roberts, 204 Ga. App. 380, 419 S.E.2d 103, cert. denied, 204 Ga. App. 922, 419 S.E.2d 103 (1992). Subsection (b) not applied retroactively. — Subsection (b) of O.C.G.A. § 51-12-1 works a substantive change in the law governing collateral benefits. 840 There is no express or clear intention of the legislature to give the statute retroactive effect. Therefore, the subsection shall be given prospective effect only. Polito v. Holland, 258 Ga. 54, 365 S.E.2d 273 (1988). When the cause of action accrued before July 1, 1987, subsection (b) of O.C.G.A. § 51-12-1 is inapplicable as the subsection has been construed as substantive and should be given prospective effect only. A.H. Friedman, Inc. v. Augusta Burglar Alarm Co., 186 Ga. App. 769, 368 S.E.2d 534 (1988); Whelchel v. Thomas Ford Tractor, Inc., 190 Ga. App. 156, 378 S.E.2d 510 (1989). Subsection (b) of O.C.G.A. § 51-12-1 shall be given prospective effect only and does not apply when the cause of action arose prior to the effective date of the statute ( July 1, 1987), even when the case is tried subsequent to the statute’s effective date. Quality Rental Co. v. Grier, 187 Ga. App. 5, 369 S.E.2d 276 (1988). The trial court erred in ruling that evidence of collateral payments would be admissible since the cause of action arose prior to July 1, 1987, the date that subsection (b) of O.C.G.A. § 51-12-1 became effective. Bryan v. King, 187 Ga. App. 7, 369 S.E.2d 278 (1988). Subsection (b) of O.C.G.A. § 51-12-1, added in 1987 and allowing the consideration of collateral source insurance benefits, has prospective application only. Le Twigge, Ltd. v. Wammock & Co., 187 Ga. App. 446, 370 S.E.2d 631 (1988). Subsection (b) of O.C.G.A. § 51-12-1 is to be given prospective effect only; therefore, the subsection is inapplicable to an action which arose and was filed prior to July 1, 1987, the effective date of the statute. Ray v. Anderson, 189 Ga. App. 80, 374 S.E.2d 819 (1988). In an action for damages for injuries sustained in an accident which occurred prior to the effective date of O.C.G.A. § 51-12-1, it was permissible to cross-examine the plaintiff on the availability of insurance benefits to test the plaintiff ’s averment that the plaintiff did not undergo a CAT scan because the plaintiff was unable to pay for the physician’s services. Bridges v. Schier, 195 Ga. App. 583, 394 S.E.2d 408 (1990). 51-12-1 Subsection (b) of O.C.G.A. § 51-12-1 was a substantive change in the law and cannot be applied retroactively. Steverson v. Eason, 194 Ga. App. 273, 390 S.E.2d 424 (1990). The collateral source rule of subsection (b) of O.C.G.A. § 51-12-1, which became effective July 1, 1987, cannot be given retroactive effect and operates prospectively only. United States Indus., Inc. v. Austin, 197 Ga. App. 74, 397 S.E.2d 469 (1990). Jury charge based on subsection (b) is improper. — A jury charge, based on the unconstitutional provisions of subsection (b) of O.C.G.A. § 51-12-1 authorized the jury to calculate the amount of damages awarded in its verdict on the ‘‘inherently prejudicial’’ evidence of collateral source benefits, and thus was a charge which would have been likely to influence unduly the jury and deprive the plaintiff of a fair trial. Anepohl v. Ferber, 202 Ga. App. 552, 415 S.E.2d 9, cert. denied, 202 Ga. App. 906, 415 S.E.2d 9 (1992). Plaintiff may voluntarily abandon claim. — The choice to abandon a claim for medical damages, which the plaintiff was not precluded from recovering by the statutory change in the collateral source rule, as the plaintiff ’s accident took place in 1985, prior to the effective date of subsection (b) of O.C.G.A. § 51-12-1, and provided no basis for reversal of the court’s erroneous refusal to disallow collateral source evidence. Kelley v. Harris, 187 Ga. App. 215, 369 S.E.2d 534 (1988). Subsection (b) applicable to property injury. — Subsection (b) of O.C.G.A. § 51-12-1, which in effect negates the operation of the ‘‘collateral source’’ rule in Georgia, makes no distinction between personal injury and injury to property, but employs the inclusive term ‘‘tortious injury’’ without any qualification, and does not apply to personal injury only. A.H. Friedman, Inc. v. Augusta Burglar Alarm Co., 186 Ga. App. 769, 368 S.E.2d 534 (1988). Subsection (b) not applicable to contract cases. — The collateral source rule of subsection (b) of O.C.G.A. § 51-12-1 is not applicable in contract cases because collateral source evidence 841 Evidence in Special Damages Cases (Cont’d) can be admitted if it is relevant to demonstrate the extent that the plaintiff ’s actual loss was caused by the breach. It follows that, in an action brought by a discharged employee seeking to recover for breach of an employment contract, the measure of damages is the actual loss from the breach of contract, and in estimating the amount all facts down to the time of trial may be considered. Amalgamated Transit Union Local 1324 v. Roberts, 263 Ga. 405, 434 S.E.2d 450 (1993). Door not open for admission of collateral source evidence. — Plaintiff did not open the door for admission of collateral source evidence when the plaintiff injected at trial issues related to the financial hardship the plaintiff suffered as a result of the accident, and the plaintiff ’s explanation that a gap in treatment by one of the plaintiff ’s physicians was due to the plaintiff ’s inability to continue to pay for the medical treatment. Hayes v. Gary Burnett Trucking, Inc., 203 Ga. App. 693, 417 S.E.2d 676, cert. denied, 203 Ga. App. 906, 417 S.E.2d 721 (1992). Ability to pay for medical treatment. — When plaintiff opens the door and testifies that lack of insurance or financial hardship prevented the plaintiff from seeking medical treatment, the defendant is allowed to cross-examine the plaintiff on this point in a narrow, limited manner. Moore v. Mellars, 208 Ga. App. 69, 430 S.E.2d 179 (1993). In a wrongful death action, evidence as to the availability of collateral insurance benefits to an individual, who died as the result of an automobile accident, to pay marked bills, was relevant and admissible to impeach testimony prosecuted by the plaintiffs as to the individual’s inability to afford the extensive medical treatment the individual would need as the result of the individual’s injuries. Patterson v. Lauderback, 211 Ga. App. 891, 440 S.E.2d 673 (1994). Receipt of no-fault benefits. — The trier of fact has no discretion as to 51-12-1 whether an award of damages will be reduced based upon the plaintiff ’s receipt of no-fault benefits for economic damages because the plaintiff is precluded from recovering those damages. Thus, evidence of the plaintiff ’s receipt of no-fault benefits is not admissible as evidence of the plaintiff ’s receipt of payment from a collateral source. Bonds v. Burch, 196 Ga. App. 125, 395 S.E.2d 379 (1990). Trial court, which had not followed the ‘‘approved’’ procedure for trying a no-fault tort action, correctly wrote off $2,500 in no-fault benefits as the amount of economic damages which were nonrecoverable under former § 33-34-9(b), since the jury had awarded economic damages unreduced by receipt of payment from any collateral source whatsoever. Bonds v. Burch, 196 Ga. App. 125, 395 S.E.2d 379 (1990). No setoff when there is absolute promise to pay any liability. — The fact that the plaintiffs had other benefits or insurance ‘‘available’’ would be admissible for the factfinders’ consideration as to damages, but one who is bound by an absolute promise to pay any liability is not entitled to a setoff by O.C.G.A. § 51-12-1. J.C. Penney Cas. Ins. Co. v. Woodard, 190 Ga. App. 727, 380 S.E.2d 282 (1989). Assumption of proper charge. — The trial court’s denial of the plaintiff ’s motion for a new trial was correct since the plaintiff did not designate as part of the record that portion of the transcript containing the charge to the jury. Therefore, it is assumed that the trial court gave a proper charge on consideration of collateral source evidence. Willard v. Wilburn, 203 Ga. App. 393, 416 S.E.2d 798, cert. denied, 203 Ga. App. 908, 416 S.E.2d 798 (1992). Retroactive application of Denton. — The holding in Denton v. Conway S. Express, 261 Ga. 41, 402 S.E.2d 269 (1991), which declared subsection (b) of O.C.G.A. § 51-12-1 unconstitutional, should have been applied retroactively to a motion for a new trial in an action pending when Denton was decided. McDonald v. Simmons, 207 Ga. App. 692, 428 S.E.2d 690 (1993). 842 51-12-2