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McGovern v. Erie Insurance Group

According to the statutory rationale for inter-policy stacking, the insured, who was injured in a motorcycle accident, is entitled to the sum, not the product, of the limits for each motor vehicle as to which he is an insured.

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OPINION

� 1 Ronald McGovern appeals from the order entered in the Court of Common Pleas of Lehigh County that denied (a) his request for a determination that he was entitled to “stacked” underinsured motorist benefits under the Erie insurance policy and, (b) his request for post-judgment interest. We affirm.

� 2 Ronald McGovern owned a motorcycle and a car. While riding the motorcycle, he was involved in an accident and sustained serious injuries. The motorcycle was insured BY Progressive Insurance, the car was insured by TICO *fn1 . Because of the UIM waiver forms, on the Progressive policy were invalid, 15,000/30,000 in stacked Uninsured/Underinsured Motorist Benefits (UM/UIM) was provided to McGovern.

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