HGSK Injury Lawyers Files Class Action Against Progressive Over Denied Auto Insurance Claims

Philadelphia, PA – September 8th, 2025 – HGSK Injury Lawyers, a leading Pennsylvania law firm, has taken action by filing a class action lawsuit against Progressive Insurance. The firm contends that Progressive unlawfully denied uninsured and underinsured motorist (UM/UIM) coverage to policyholders through the misuse of a so-called “regular use” exclusion.

Attorney Jeffrey K. Stanton, a partner at HGSK Injury Lawyers, is leading the litigation. In a recent feature in Law360, Mr. Stanton emphasized that the Pennsylvania Supreme Court’s decision in Gallagher v. GEICO clearly held that exclusions preventing the stacking of UM/UIM benefits across household policies are void and unenforceable. Despite this established precedent, Progressive, he explained, sought to bypass the ruling by reframing a household exclusion as a “regular use” exclusion, a tactic that, in HGSK’s view, unfairly denies policyholders their rightful benefits.

“The Pennsylvania Supreme Court made clear in Gallagher v. GEICO that exclusions attempting to bar stacked UM/UIM recovery between household policies are void and unenforceable. Fully aware of this, Progressive nonetheless attempted to recast an unenforceable household exclusion as a regular use exclusion in a disingenuous effort to create a defense where none exists and to deter [our client] from pursuing her uninsured motorist claim.”

This legal action is not just about one plaintiff; it’s about protecting the rights of Pennsylvanians statewide who may have encountered similar denials. The case underscores HGSK Injury Lawyers’ broader mission to uphold insurer accountability and fight against unfair claim practices.

For more insight into HGSK Injury Lawyers’ approach to these types of disputes, visit the firm’s Bad Faith Insurance page, which explains how insurers may act in bad faith and how the firm pursues remedies under Pennsylvania law.

Hear more by reaching out to us online now.