Law360, New York (February 1, 2016, 10:38 AM EST) -- The Pennsylvania Supreme Court's recent denial of allocatur made final the Pennsylvania Superior Court's decision in An v. Victoria Fire & Casualty Co., 113 A.3d 1283 (Pa. Super. 2015), alloc. denied, 2015 Pa. LEXIS 2831 (Dec. 8, 2015). In An, the Superior Court ruled that a "named driver only" automobile insurance policy does not violate Pennsylvania public policy, as embodied in the Motor Vehicle Financial Responsibility Law (MVFRL). A named driver only insurance policy provides no liability coverage when the insured vehicle is driven by someone other than the named driver. Declining to usurp the role of the legislature in determining Pennsylvania's public policy, the court concluded that the "provision of low-cost, affordable policies in return for motor vehicle liability coverage of only the named driver, and the concomitant risk reduction, does not violate public policy." 113 A.3d at 1292. The Superior Court's decision in An signals that innovative, economical insurance products have a place in Pennsylvania....