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HARSTEAD v. DIAMOND STATE INS. CO.

723 A.2d 179 (1999)

Debra HARSTEAD, Administratrix of the Estate of Oscar R. Hammerstein, Jr., Deceased, Appellee, v. DIAMOND STATE INSURANCE COMPANY and Unigard Insurance Company. Appeals of Unigard Insurance Company (160), Diamond State Insurance Company (161).

Supreme Court of Pennsylvania.

Decided February 5, 1999.

Attorney(s) appearing for the Case

Robert S. Davis, Philadelphia, for Unigard Ins. Co.

Jonathan F. Ball, Philadelphia, for Debra Harstead.

Richard S. Marsh, Philadelphia, for Diamond State Ins. Co.

Before FLAHERTY, C.J., and ZAPPALA, CAPPY, CASTILLE, NIGRO, NEWMAN and SAYLOR, JJ.

OPINION

NIGRO, Justice.

In this insurance coverage dispute, Appellants Unigard Insurance Company and Diamond State Insurance Company challenge the lower courts' conclusion that their policies cover the lessee of a car involved in an accident. For the reasons set forth below, we reverse.

The relevant facts are undisputed. On September 8, 1986, Oscar Hammerstein was killed in an accident when the motorcycle he was driving collided with a car...

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