Gerardi v. Harleysville Insurance

Appellee, Carol Gerardi, was injured in an automobile accident which occurred on the island of St. Lucia. At the time of the accident, the automobile in which appellee was a passenger was uninsured. However, appellee carried an automobile insurance policy issued by the appellant, Harleysville Insurance Company, which included uninsured motorist coverage, but which did not cover accidents occurring outside of “the United States of America, its territories or possessions, Puerto Rico or Canada.” St. Lucia is an independent nation and, of course, does not fall within any of the areas enumerated.…