A minor injured while crossing a highway on a snowmobile cannot recover first- party medical benefits on his parents’ insurance policy, because both a valid exclusion in the policy and the terms of the Motor Vehicle Financial Responsibility Law bar such recovery under the facts of the case, the Superior Court has ruled.
“When reading all the pertinent sections of the Pa. MVFRL and [the law governing snowmobiles] together, it is clear that the Legislature intended to exclude operators and occupants of a snowmobile from being able to recover first-party benefits when drafting Section 1714,” Judge John G. Brosky wrote in Gallo v. Nationwide Insurance Co.
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