Butta v. Geico Cas. Co.

Under section 1738 of the Motor Vehicle Financial Responsibility Law effective in July 1990, a Pennsylvanian buying auto insurance may pay increased premiums to stack his underinsured motorist coverage to provide more coverage for another vehicle insured by his family in the same household by the same insurer. He is entitled to this stacking unless he signs a form waiving this right. Avoiding the form waiver, insurers introduced "household exclusions" precluding stacking underinsured coverage when the vehicle involved in the accident is not listed on every insurance policy issued to family…