Since March 19, 2020, Pennsylvania businesses and individuals have been under substantial restrictions imposed by Governor Tom Wolf in response to the COVID-19 pandemic. As these businesses now begin to see some relief from those restrictions, Pennsylvania Insurance Commissioner Jessica Altman has issued a warning: Ignoring the Governor’s Orders and the provisions of the multi-tiered plan for relaxing some of those restrictions could result in a loss of liability insurance coverage.
Following the Third Circuit's ruling in Slupski v. Nationwide Mut. Ins. Co., Pennsylvania commercial auto insurers should take a careful look at whether valid rejection/reduction forms are in place before issuing policies with higher covered autos liability coverage limits than Uninsured Motorist and Underinsured MotoristÂ limits. They otherwise may be required to provide more than they bargained for in terms of coverage.
Pennsylvania's Highest Court Stacks the Odds Against Insurance Companies, Invalidating Household Exclusion in UM/UIM Policies
In its most recent pronouncement regarding the UM/UIM stacking provisions of the Pennsylvania Motor Vehicle Financial Responsibility Law, the Supreme Court of Pennsylvania overturned decades of precedent by declaring the "household vehicle exclusion" found in most personal automobile policies to be void and unenforceable as a matter of law.
A recent opinion of the U.S. District Court of the Eastern District of Pennsylvania illustrates how operators will have to weigh the sometimes competing business and legal interests of protecting consumer/customer privacy, while also helping to combat trafficking and assault in the industry.