A policy issued by Safe Auto Insurance Co. that excluded coverage for non-family members who live with the vehicle owner but were not specifically included in the policy is enforceable under the state’s Motor Vehicle Financial Responsibility Law, the Pennsylvania Superior Court has ruled.
A split three-judge panel of the court ruled in Safe Auto Insurance v. Oriental-Guillermo that the policy was in line with the MVFRL because that statute places the burden of making sure a driver is insured on the vehicle-owner, and not the insurance companies.
