Philadelphia Indemnity Insurance Company, Inc. v. Richard Tryon

OPINION OF THE COURT BY

CHIEF JUSTICE MINTON

This case involves the construction of motor vehicle liability insurance policy provisions regarding Underinsured Motorist Insurance (UIM) coverage for a motor vehicle owned by the insured but not scheduled for coverage under the owner’s policy. We granted discretionary review to determine whether such owned-but-not-scheduled provisions are enforceable as a matter of public policy to deny UIM benefits. We hold that they are, so long as the plain meaning of the policy clearly and unambiguously excludes this type of coverage.

I. FACTUAL AMD PROCEDURAL…