Limandri v. Allstate Ins. Co.

Under Pennsylvania's Motor Vehicle Financial Responsibility Law ("MVFRL"), an insurance company must provide uninsured and underinsured motorists ("UM" and "UIM", respectively; "UM/UIM", collectively) coverage limits equal to the bodily injury liability limits under an automobile insurance policy unless the named insured submits a written request for lower limits. In the instant case, the named insureds effectively lowered the UM/UIM benefits for their four vehicles under an automobile insurance policy with the defendant by executing a form request for lower UM/UIM coverage in September 2001.…