In upholding the dismissal of a lawsuit over underinsured motorist coverage filed by a man and a woman hit by a car while riding their motorcycle, the U.S. Court of Appeals for the Third Circuit drew a clear line between two major Pennsylvania insurance law decisions.

The court affirmed a lower judge’s ruling that plaintiffs William Dunleavy and Erin Francis did not have an underinsured motorist policy with their insurer, defendant Mid-Century Insurance Co., thus putting an end to their breach of contract suit.