Court Opinion

ID: 9706117
Source: CourtListenerOpinion
Date Created: 2023-08-26 01:31:54.087318+00
Date Added: 2024-06-11T18:22:19.402550
License: Public Domain

CONCURRING STATEMENT BY
ORIE MELVIN, J.:
¶11 agree with the Majority that Appellant is entitled to summary judgment. I write separately only to emphasize that a household exclusion such as the one in the instant case does not violate public policy, because it permits an insurance company “to eliminate its exposure to an unknown factor.” Rudloff v. Nationwide Mutual Insurance Co., 806 A.2d 1270, 1275 (Pa.Super.2002). We explained in Rudloff that although an insurer contracts for the risk of providing UIM coverage to relatives of the named insured, “it [does] not contract for the far greater risk of providing UIM coverage to each relative in those relatives’ regular use of the vehicles that they own.” Id.
¶2 Thus, the focus must not be on whether the MVFRL makes provision for stacking of UIM benefits but rather on whether the insurance company is risks for required to underwrite which premiums had not been paid. Burstein v. Prudential Property and Casualty Insurance Co., 570 Pa. 177, 809 A.2d 204 (2002). It should be evident that a claimant may not stack benefits which he or she is not entitled to receive.