ISO Plans to Change UM/UIM Endorsements after Pennsylvania High Court Ruling

The Supreme Court of Pennsylvania has ruled that a waiver signed by an insured did not waive the right to aggregate or “stack” the limits of coverage for underinsured benefits between two separate policies of insurance. The case is Donovan v. State Farm Mut. Auto. Ins. Co., 256 A.3d 1145 (Pa. 2021).

After Corey Donovan was involved in an accident while riding his motorcycle, the insurer for the motorist who allegedly struck Donovan tendered the full liability limit of $25,000 available under the motorist’s policy.