Third Circuit -- Amer Auto Ins Co v. Stephen Meloni

While a directly injured victim has standing in a declaratory insurance action, a passenger who attaches liability to a third party who then can sue the client of the insurance company does not have standing.

For purposes of accrual of the policy's timeframe, the wrongful act was not failing to purchase liquor liability insurance on the date of the accident, but rather not purchasing same upon first discovery of the need for it.

Amer Auto Ins Co v. Stephen Meloni