Availability, scope and amount of coverage. (a) Mandatory offering.-- No motor vehicle liability insurance policy shall be delivered or issued for delivery
Pennsylvania Consolidated Statutes
Section: 1731
Jurisdiction: PA
Bluebook Citation: 75 Pa. Cons. Stat. § 1731
SUBCHAPTER C UNINSURED AND UNDERINSURED MOTORIST COVERAGE Sec. 1731. Availability, scope and amount of coverage. 1732. Limits of coverage (Repealed). 1733. Priority of recovery. 1734. Request for lower limits of coverage. 1735. Coverages unaffected by workers' compensation benefits (Repealed). 1736. Coverages in excess of required amounts. 1737. Workers' compensation benefits not a bar to uninsured and underinsured motorist benefits
(Repealed). 1738. Stacking of uninsured and underinsured benefits and option to waive. § 1731. Availability, scope and amount of coverage. (a) Mandatory offering.-- No motor vehicle liability insurance policy shall be delivered or issued for delivery
in this Commonwealth, with respect to any motor vehicle registered or principally
garaged in this Commonwealth, unless uninsured motorist and underinsured motorist
coverages are offered therein or supplemental thereto in amounts as provided in section
1734 (relating to request for lower limits of coverage). Purchase of uninsured motorist
and underinsured motorist coverages is optional. (b) Uninsured motorist coverage.-- Uninsured motorist coverage shall provide protection for persons who suffer injury
arising out of the maintenance or use of a motor vehicle and are legally entitled
to recover damages therefor from owners or operators of uninsured motor vehicles.
The named insured shall be informed that he may reject uninsured motorist coverage
by signing the following written rejection form: REJECTION OF UNINSURED MOTORIST PROTECTION By signing this waiver I am rejecting uninsured motorist coverage under this policy,
for myself and all relatives residing in my household. Uninsured coverage protects
me and relatives living in my household for losses and damages suffered if injury
is caused by the negligence of a driver who does not have any insurance to pay for
losses and damages. I knowingly and voluntarily reject this coverage. Signature of First Named Insured Date (b.1) Limitation of rejection.-- Uninsured motorist protection may be rejected for the driver and passengers for rental
or lease vehicles which are not otherwise common carriers by motor vehicle, but such
coverage may only be rejected if the rental or lease agreement is signed by the person
renting or leasing the vehicle and contains the following rejection language: Rejection of Uninsured Motorist Protection I am rejecting uninsured motorist coverage under this rental or lease agreement, and
any policy of insurance or self-insurance issued under this agreement, for myself
and all other passengers of this vehicle. Uninsured coverage protects me and other
passengers in this vehicle for losses and damages suffered if injury is caused by
the negligence of a driver who does not have any insurance to pay for losses and damages. (b.2) Rejection language change.-- The rejection language of subsection (b.1) may only be changed grammatically to reflect
a difference in tense in the rental agreement or lease agreement. (b.3) Vehicle rental services.-- The requirements of subsection (b.1) may be met in connection with an expedited vehicle
rental service, which service by agreement of the renter does not require the renter's
signature for each rental, if a master enrollment or rental agreement contains the
rejection language of subsection (b.1) and such agreement is signed by the renter. (c) Underinsured motorist coverage.-- Underinsured motorist coverage shall provide protection for persons who suffer injury
arising out of the maintenance or use of a motor vehicle and are legally entitled
to recover damages therefor from owners or operators of underinsured motor vehicles.
The named insured shall be informed that he may reject underinsured motorist coverage
by signing the following written rejection form: REJECTION OF UNDERINSURED MOTORIST PROTECTION By signing this waiver I am rejecting underinsured motorist coverage under this policy,
for myself and all relatives residing in my household. Underinsured coverage protects
me and relatives living in my household for losses and damages suffered if injury
is caused by the negligence of a driver who does not have enough insurance to pay
for all losses and damages. I knowingly and voluntarily reject this coverage. Signature of First Named Insured Date (c.1) Form of waiver.-- Insurers shall print the rejection forms required by subsections (b) and (c) on separate
sheets in prominent type and location. The forms must be signed by the first named
insured and dated to be valid. The signatures on the forms may be witnessed by an
insurance agent or broker. Any rejection form that does not specifically comply with
this section is void. If the insurer fails to produce a valid rejection form, uninsured
or underinsured coverage, or both, as the case may be, under that policy shall be
equal to the bodily injury liability limits. On policies in which either uninsured
or underinsured coverage has been rejected, the policy renewals must contain notice
in prominent type that the policy does not provide protection against damages caused
by uninsured or underinsured motorists. Any person who executes a waiver under subsection
(b) or (c) shall be precluded from claiming liability of any person based upon inadequate
information. (d) Limitation on recovery.-- (1) A person who recovers damages under uninsured motorist coverage or coverages cannot
recover damages under underinsured motorist coverage or coverages for the same accident. (2) A person precluded from maintaining an action for noneconomic damages under section
1705 (relating to election of tort options) may not recover from uninsured motorist
coverage or underinsured motorist coverage for noneconomic damages. (Feb. 12, 1984, P.L.53, No.12, eff. Oct. 1, 1984; Feb. 7, 1990, P.L.11, No.6, eff.
July 1, 1990; Dec. 28, 1994, P.L.1441, No.170, eff. 60 days; Dec. 28, 1994, P.L.1450,
No.172, eff. 60 days; July 6, 1995, P.L.246, No.30, eff. 60 days) 1995 Amendment. Act 30 amended subsec. (b.1) and added subsecs. (b.2) and (b.3), retroactive to December
28, 1994, as to subsec. (b.1). Cross References. Section 1731 is referred to in sections 1705, 1734 of this title.
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