![]() At the time of the accident, Dixon resided with Policyholder, who had purchased a personal automobile insurance policy (“Policy”) for his vehicle through Safe Auto Insurance Company (“Safe Auto”). On April 29, 2013, Rachel Dixon was driving a car owned by her boyfriend, Rene Oriental-Guillermo (“Policyholder”), when she was involved in an accident with a vehicle in which Priscila Jimenez was a passenger, and which was owned by Iris Velazquez, and operated by Alli Licona-Avila. Accordingly, we affirm the order of the Superior Court. For the reasons that follow, we conclude that the URDE at issue in this case is enforceable. 2015-C1547 ARGUED: DecemOPINION JUSTICE TODD DECIDED: AugIn this appeal by allowance, we consider the enforceability of an unlisted resident driver exclusion (“URDE”) in a personal automobile insurance policy. 32 affirming the Order of the Court of Common Pleas of Lehigh County, Civil Division, dated Septemat No. Appeal from the Order of the Superior Court dated Septemat No. : : : RENE ORIENTAL-GUILLERMO, RACHEL : DIXON, PRISCILA JIMENEZ, LUIS : JIMENEZ, ALLI LICONA AVILA AND IRIS : VELAZQUEZ : : : APPEAL OF: PRISCILA JIMENEZ & LUIS : JIMENEZ : No. IN THE SUPREME COURT OF PENNSYLVANIA MIDDLE DISTRICT SAYLOR, C.J., BAER, TODD, DONOHUE, DOUGHERTY, WECHT, MUNDY, JJ. The Pennsylvania Supreme Court concurred the URDE at issue in this case was enforceable, and affirmed the Superior Court. The Superior Court affirmed the order of the trial court in a divided, published opinion. Appellants timely appealed to the Superior Court, arguing: (1) the trial court erred in holding the URDE was valid and enforceable (2) that the URDE violated the provisions of the Pennsylvania Motor Vehicle Financial Responsibility Law (“MVFRL”) and (3) that the URDE violated public policy. The trial court granted summary judgment in favor of Safe Auto, finding the URDE unambiguous, valid, and enforceable, and concluding that Safe Auto had no duty under the Policy to defend or indemnify Dixon in the underlying personal injury lawsuit. On May 13, 2015, Safe Auto filed a complaint against Dixon, Policyholder, and Appellants, seeking a declaratory judgment regarding the enforceability of the URDE with respect to Dixon. Jimenez and her husband Luis (collectively, “Appellants”) filed a personal injury lawsuit against Dixon, Policyholder, and Licona-Avila. The Policy contained an unlisted resident driver exclusion (“URDE”), which excluded from coverage any individuals who lived with, but were not related to, the policyholder, and whom the policyholder did not specifically list as an additional driver on the insurance policy. Our coverage calculator can help answer these questions and more.In 2013, Rachel Dixon was driving a car owned by her boyfriend, Rene Oriental-Guillermo (“Policyholder”), when she was involved in an accident with a vehicle in which Priscila Jimenez was a passenger, and which was owned by Iris Velazquez, and operated by Alli Licona-Avila. How much property damage coverage should I have?.How much bodily injury coverage should I carry?. ![]() We're here to help answer your questions you may have like: Car insurance coverages aren't the easiest things. In general, here are some optional coverages:Ī few things to think about here would be would you be able to pay to repair or replace your vehicle if it's damaged from an accident? Would you need a rental while your car is being repaired due to a covered accident? We can help you pick what coverages you need. These coverages normally take care of damages and/or injuries to you. If you're in a city where people drive expensive cars, would you have enough coverage to pay to fix or replace those cars? Additional car insurance coverages.Īlthough these may not be required, they can provide you with an extra layer of protection. Something you may want to consider is the kind of cars you typically drive around. The amount of protection for these coverages can be increased above state minimums. In general, most states require the following auto insurance coverage: These pay for damages or injuries to other people and/or their property caused by an accident you're found at fault for. That's why we've made it easy to customize your car insurance. We're here to help you find the right coverages for you. Yes, state laws set the minimum for what type and amount of coverage people need for auto insurance, but that doesn't mean it's enough for you. Personalize your car insurance with the coverages you need.
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