The Pennsylvania Supreme Court has upheld a “regular use” exclusion in an auto insurance policy that prohibits underinsured motorist coverage for injuries involving a non-owned vehicle that an insured used regularly.

In so doing, the state’s high court reversed a 2020 Superior Court ruling against Erie Insurance that held that the “regular use” exclusion violated the state’s Motor Vehicle Financial Responsibility Law (MVFRL).

Erie appealed the Superior Court ruling, arguing that by finding that a “regular use” exclusion violates the MVFRL, the Superior Court has disregarded decades of precedent upholding the validity of the “regular use” exception. Erie argued that the Superior Court’s decision would lead to higher premiums to cover for uninsured/underinsured motorist cove

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