A Columbia County trial judge has ruled that the Pennsylvania Supreme Court’s landmark ruling from earlier this year in Gallagher v. Geico barred insurers from using the household exclusion to block stacked underinsured motorist coverage that had already been paid for, but did not apply in situations where stacking was voluntarily waived by the insureds.

In Nationwide Property and Casualty Insurance v. Ryman, the estate of Wyatt Ryman, who was killed in a motor vehicle accident, sought to recover underinsured motorist benefits under both Ryman’s policy and a policy issued to defendants Franklin and Yvonne Ent, relatives with whom Ryman lived at the time of his death.

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