Freeth v. Zurich American Insurance

MEMORANDUM

McHUGH, District Judge.

’ This case involves the' complex and conceptually muddled area of Pennsylvania’s law on automobile insurance coverage. At issue is Zurich American Insurance Company’s (“Zurich”) compliance with the technical requirements for lowering- limits of uninsured motorist (“UM”) and underin-sured motorist (“UIM”) coverage. That narrow question has great practical significance, because, depending on the answer, Plaintiff Stefan Freeth, an employee of Road-Con, Inc. (“Road-Con”), either- can seek up to.one million dollars in benefits, or will be limited to collecting…