Contact Us for a Free Consultation 814-382-5888


PA Supreme Court invalidates household exclusion

Posted by Jeff Millin | Apr 24, 2019 | 0 Comments

On January 23, 2019, in Gallagher v. GEICO, the Pennsylvania Supreme Court held that that the household / family car exclusion violates the Motor Vehicle Financial Responsibility Law.  This opinion will impact claims for stacked uninsured and underinsured motorist coverage arising out of the use of vehicles in the same household but insured under different policies. 

The Court's holding went further than the facts of the instant matter and was applied to all family car / household vehicle exclusions, regardless of which carriers were involved.  So, if an insured pay for stacked coverage, the exclusion will not prevent stacking the UM/UIM coverage on all of the vehicles in the family.  The Court stated in a footnote that insurers “can and will employ [their] considerable resources to minimize the impact of our holding.”  The Court suggested requiring disclosure by insureds of the other vehicles and policies in the household during the application process. 

As a result of the Gallagher case, you may have additional insurance coverage available in you are hurt in an accident.

About the Author

Jeff Millin

For 29 years I have had the pleasure of representing local people who have been seriously injured. Attorney Millin's practice includes extensive experience representing injured victims. His clients include those with claims resulting from workplace injuries, automobile accidents, product liabili...


There are no comments for this post. Be the first and Add your Comment below.

Leave a Comment

Areas We Serve

Serving injury victims in the following areas: Based in Meadville/Conneaut Lake, Pennsylvania, we represent clients in Pennsylvania, including communities such as Erie County, Crawford County, Venango County, Warren County, Mercer County, Clarion County, Butler County, Titusville County, Erie, Edinboro, Meadville, Kane, Oil City, Franklin, Sharon, Mercer, Warren, North East, Fairview, Girard, Corry, Union City, Cambridge Springs, Albion, Bradford, Smethport, New Castle, Greenville, Clarion, Butler, Ridgway, Saint Marys.