Accidental Shooting From One Vehicle To Another Found To Involve "Use" of a Motor Vehicle

In the case of Allmerica Financial Benefit Ins. Co. v. Hunt, No. 2:24-CV-02767 (E.D. Pa. Dec. 15, 2025 Weilheimer, J.), the court denied Motions for Judgment on the Pleadings filed by two (2) UIM carriers in a case in which the two (2) automobile insurance companies were attempting to avoid having to pay underinsured motorists (UIM) coverage after an accidental shooting while the vehicle was at a red light.

This matter arose out of an accidental shooting that occurred between two drivers at a red light. One driver was attempting to unload a gun he had taken out of his glove compartment. The gun accidentally went off and struck an individual in the adjacent car, resulting in fatal injuries to that person.

The family of the decedent recovered the liability limits from the tortfeasor’s coverage and then turned to seek UIM coverage.

The UIM carrier filed suit, arguing that the shooting did not result from the “use” of a vehicle as required under the terms of that policy.

The court held that the policy language contained in the UIM policies conflicted with Pennsylvania’s Motor Vehicle Financial Responsibility Law (MVFRL) because it attempted to impose a stricter, proximate cause standard for UIM coverage instead of Pennsylvania’s broader standard of review.

The court wrote that, in close or doubtful insurance coverage cases, the law requires judges to err on the side of the insured.

The court additionally noted that, while insurers should not be considered to always be on the hook in terms of coverage because of their perceived ability to bear the cost of paying on the policy, public policy dictates that when there is a “tie” on the positions put forth by the UIM carrier and the insured on a coverage dispute, the court should err in favor of finding coverage.

Anyone wishing to review a copy of this decision may click this LINK.  The Court's companion Order can be viewed HERE.


Source: Article – “Pa Federal Judge Rules Auto Insurers Can’t Dodge UIM Coverage In Fatal Stoplight Shooting Case,” By Tristin Hoffman of the Legal Intelligencer (Jan. 2,2 026).