Lewis Ex Rel. Lewis v. West American Insurance Co.

KING, Justice.

The issue before the Court is the validity of “family” or “household exclusion” clauses contained in liability insurance policies. Such exclusions limit the insurance coverage available for a person’s injuries solely on the basis of the injured party’s status as a member of the policyholder’s family. We find that such an exclusion to insurance coverage is deleterious to our community interests and is repugnant to the public policy of our Commonwealth. Accordingly, we hold that family exclusions to liability insurance policies are invalid and unenforceable.

Angel Lewis, a…