Woznicki v. GEICO Morse v. Erie Insurance

We are called upon to resolve an issue of critical importance for those traversing the many roads of Maryland, namely, the circumstances under which an insurer providing uninsured (“UM”) motorist coverage may disclaim any such liability *100owed to its insured.1 Because of the common issues of law, we have consolidated two civil cases for the purpose of this opinion. We granted separate petitions for certiorari in Woznicki v. GEICO Gen. Ins., 439 Md. 694, 98 A.3d 233 (2014) and Morse v. Erie Ins. Exch, 439 Md. 694, 98 A.3d 233 (2014), to answer the following questions:(1) Did the Court of Special…