Legal Question in Civil Litigation in Pennsylvania

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This is a pretty complicated question and requires more facts before a determination can be made. The tort election will depend on the specifics of the living arrangements and whether the son is a named insured on either policy. Generally, if there are conflicting tort options for an �insured,� the insured is covered by the one for the vehicle at the time of the accident. Of course, there are a number of unstated facts that could impact the tort election. (For example, did they sign the proper sign-down forms? Was the other vehicle registered out of state? Was the other driver under the influence? What are the injuries?).

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