A court in Pennsylvania has ruled that an exclusion in underinsured motorist coverage that applies to injuries that are incurred while riding a motorcycle is also applicable if the biker has been thrown from their vehicle.
Specifically, such coverage in an Allstate policy contained an exclusion for injuries that were received while operating a motorcycle and the court was asked what happened if the driver was thrown off the motorcycle and injured subsequently. Did the exclusion still apply?
The bikers attorney argued that since the motorcyclist was not actually on the vehicle at the time of injury, the exclusion shouldnt apply, but the court saw it differently. Instead, the court sided with Allstate in the lawsuit Allstate Fire and Casualty Insurance Company v.