Insurance

July 23rd, 2019 by Rieders Travis in Insurance

INSURANCE-FINANCIAL RESPONSIBILITY LAW-UM/UIM COVERAGE-STACKING-HOUSEHOLD EXCLUSION Kline v. Travelers Personal Security Insurance Company, 2019 Pa. Super. LEXIS 1157 (November 18, 2019) Gantman, P.J.E.  Appellant Kline obtained insurance with Travelers in August 2002.  He selected uninsured motorist benefits and underinsurance in the amount of $50,000 each person/$100,000 each accident.  He rejected stacked UIM coverage by signing a rejection of stacking waiver form.  The policy covered one vehicle at its inception, a1999 Pontiac Grand Prix.  The 1999 Pontiac Grand Prix was later replaced by a 2002 Pontiac Firebird.  On June 6, 2007, Kline added a 2001 Pontiac Montana.  Now he had two vehicles.  Travelers did not present Kline with a new stacking rejection form when the 2001 Pontiac Montana was added.  The Pontiac Montana was later replaced by a 2008 Chevrolet Uplander.  Kline, in 2011, added a third vehicle to the policy.  Travelers again did not present a new stacking rejection form.  In 2012, Kline was involved in a motor vehicle accident while operating one of his cars.  He asserted a UIM claim under the policy, and Travelers tendered the non-stacked UIM coverage limits of $50,000.  Kline resided with his mother, Miriam Kline,…