A federal judge in Pennsylvania has barreled through a number of roadblocks the insurance industry has attempted to put up for plaintiffs in the wake of the state Supreme Court’s “seismic“ 2019 decision in Gallagher v. Geico, which invalidated the use of the “household vehicle exclusion” to bar stacked uninsured and underinsured motorist benefits.

In a Feb. 27 opinion in Stockdale v. Allstate Fire & Casualty Insurance, U.S. District Judge Wendy Beetlestone of the Eastern District of Pennsylvania denied Allstate Fire and Casualty Insurance’s motion for summary judgment and granted plaintiff Kayla Stockdale’s motion for summary judgment in a putative class action, one of several similar lawsuits alleging insurance companies have improperly used household exclusions to bar stacked coverage since as far back as 1990.

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