Wading into a muddled area of insurance law, the Pennsylvania Superior Court has said that a sweeping Supreme Court decision blocking insurance carriers from using the household exclusion to bar stacked auto insurance coverage should not apply to situations where stacking was properly rejected for one of the policies.

The Superior Court in Erie Insurance Exchange v. Sutherland ruled July 7 that the household exclusion could be used to bar coverage for a man who was injured riding a motorcycle. According to the 25-page opinion, the man, Thomas Sutherland, had waived stacking on his motorcycle’s policy, but had paid for stacking on a separate policy meant to cover an SUV and a truck.