In Mid-Century Insurance v. Werley, 2024 U.S. App. LEXIS 22554, 114 F.4th 200 (U.S. Ct. of App., 3d Cir., September 5, 2024) (Rendell, J.), the U.S. Court of Appeals for the Third Circuit waded into the muddy waters of Pennsylvania's precedents on stacking and the household exclusion. It examined the fact situation before it and determined that the household exclusion at issue must be enforced in order to be consistent with current Pennsylvania Supreme Court precedents. In doing so, the Circuit Court also demonstrated that precision in language matters.