In a matter of first impression, a three-judge Superior Court panel has ruled that a particular limit on the amount of underinsured motorist coverage an insured may recover from multiple auto policies does not violate Pennsylvania’s Motor Vehicle Financial Responsibility Law.
And the Wednesday decision is a win for insurance companies, after the judges rejected a challenge to an auto insurer’s “limit of protection” clause. The clause capped the plaintiff’s total available UIM coverage at the highest limit of a single one of her policies, rather than capping her coverage at the combined limit of the two policies she held.
