Hartford Fire Ins. Co. v. Davis

The Pennsylvania Superior Court vacated the trial court’s award entered in favor of Hartford. The case stemmed from a motor vehicle accident in which Appellant was injured while operating a vehicle owned by Keystone Automotive Operations, Inc. during the course and scope of his employment. Hartford insured the vehicle under a commercial automobile policy. Hartford obtained an Underinsured Motorist (“UIM”) Coverage Rejection form for each policy term renewal. The claim went to arbitration, and the panel awarded $2.9 million to Davis. Hartford filed a Petition to Vacate or Modify the UIM Arbitration Award. The trial court modified the arbitration award to $2 million to reflect the purported policy limits of the insurance policy. The trial court granted Hartford’s subsequent motion for summary judgment; denied Davis’s counter-motion for summary judgment; and vacated the arbitration award. The court entered judgment in favor of Hartford that same day. Davis appealed, and the Superior Court vacated the award. The Court ruled that the trial court failed to give full effect to the policy’s terms, namely, the UIM Coverage Endorsement appended to it.

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