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WOZNICKI v. GEICO

Nos. 52, 54 September Term, 2014.

115 A.3d 152 (2015)

443 Md. 93

Jessica N. WOZNICKI v. GEICO GENERAL INSURANCE COMPANY. Jeannine Morse v. Erie Insurance Exchange.

Court of Appeals of Maryland.

May 27, 2015.

Attorney(s) appearing for the Case

Angus R. Everton (Morgan, Carlo, Downs & Everton, P.A., Hunt Valley, MD; Thomas L. Kemp, Kemp & Kemp, P.A., Elkton, MD), on brief, for Petitioner in No. 52, Sept. Term, 2014.

Frank F. Daily (Sean P. Edwards, The Law Offices of Frank F. Daily, P.A., Hunt Valley, MD), on brief, for Respondent in No. 52, Sept. Term, 2014.

Ryan S. Perlin (Salsbury, Clements, Bekman, Marder & Adkins, LLC, Baltimore, MD), on brief, for Petitioner in No. 54, Sept. Term, 2014.

Jonathan R. Clark (Amy Leete Leone, McCarthy Wilson, LLP, Rockville, MD), on brief, for Respondent in No. 54, Sept. Term, 2014.

Argued before: BARBERA, C.J., HARRELL, BATTAGLIA, GREENE, McDONALD, WATTS and DALE CATHELL, (Retired, Specially Assigned), JJ.

We are called upon to resolve an issue of critical importance for those traversing the many roads of Maryland, namely, the circumstances under which an insurer providing uninsured ("UM") motorist coverage may disclaim any such liability owed to its insured.1 Because of the common issues of law, we have consolidated...

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