.

Patricia A. Monahan

Portrait of Patricia A. Monahan

Patricia concentrates her practice on insurance coverage, bad faith disputes and special insurance investigations. She regularly provides guidance to national and global insurance carriers concerning coverage issues and litigates coverage and bad faith claims brought against them.

Patricia routinely provides counsel and defense of issues arising from commercial, personal, specialty property and casualty policies, professional liability policies, health/life policies and workers' compensation policies. She has tried a wide range of bad faith lawsuits in both state and federal court and has substantial experience handling complex discovery issues presented in bad faith lawsuits. Patricia also focuses her practice on the investigation, defense and affirmative prosecution of fraudulent claims. She has extensive experience with cases involving medical provider fraud, claimant fraud, insurance claim inflation, staged accidents, application/rate evasion fraud, workers' compensation fraud and automobile thefts.

While a large portion of Patricia’s practice is focused on insurance coverage, special insurance investigations and bad faith disputes, she also is experienced in employment law defending public entities and private employers from discrimination and retaliation claims, state whistleblower suits, and employment claims filed under Section 1983, such as those arising under the First and Fourteenth Amendments. She also has represented employers before the National Labor Relations Board, the Pennsylvania Human Relations Commission, the EEOC, various county courts of common pleas, Commonwealth Court of Pennsylvania, Superior Court of Pennsylvania, the United States District Court for the Western District of Pennsylvania, and the United States District Court of Appeals for the Third Circuit. 

Further, Patricia's experience also includes the defense of claims for intentional torts, civil rights violations, and any claim that may fall under a public entity's errors and omissions policy, employment policy, or general liability policy. She has tried numerous civil rights cases to verdict, including claims arising out of police pursuits, false arrests, excessive use of force, denial of due process, and zoning matters.

In 1986, Patricia received a Bachelor of Science in Business Administration from the University of Florida, and in 1990, she achieved her juris doctor from the University of Pittsburgh. Throughout her legal career, Patricia has been an active trial lawyer and was elected as a shareholder with Marshall Dennehey in 1999. Her past experience also includes service in the role of solicitor to local municipalities. Patricia is a frequent speaker on employment and insurance coverage topics and has authored several articles for the firm's Defense Digest. She has received an AV® Preeminent™ rating by Martindale-Hubbell.

    • University of Pittsburgh School of Law (J.D., 1990)
    • University of Florida (B.S., 1986)
    • Pennsylvania, 1990
    • Supreme Court of the United States, 1999
    • AV® Preeminent™ by Martindale-Hubbell®
    • Best Lawyers in America©, Insurance Law (2024-2026)
    • The Best Lawyers in America©, Litigation - Insurance (2026)
    • Allegheny Bar Association
    • American Bar Association
    • Pennsylvania Bar Association
    • Defense Litigation: Key Concepts and Current Developments, Marshall Dennehey Client Seminar, March 2026
    • Defense Perspectives: Bodily Injury and Bad Faith Claims, Marshall Dennehey Client Seminar, April 2025
    • Handling UM/UIM Cases in Pennsylvania, Marshall Dennehey Client Webinar, May, 2021
    • Employment Liability in the Cyber Age, Marshall Dennehey / AIG Employment Seminar, Pittsburgh, PA, May 2, 2013
    • Speaker on various topics including employment claims, civil rights litigation, federal practice and insurance bad faith
    • "Pa. Supreme Court Evaluates Constitutional Parameters of a Jury's Punitive Damage Award,"Pennsylvania Law Weekly, October 3, 2023
    • “I’ve Been Served With a Writ of Summons. Now What?,” Defense Digest, December 2018, Vol. 24, No. 4
    • "Defending Claims While Working Within the Tripartite Relationship,"The Legal Intelligencer, Insurance Law Supplement, August 30, 2016
    • "When is an Accident Not an Accident?" Life, Health & Disability, the newsletter of the DRI's Life, Health & Disability Committee, November 21, 2014
    • "Pennsylvania Superior Court Is the First State Appellate Court To Address the Unfair Insurance Practices Act Protection for Victims of Abuse," Defense Digest, Vol. 19, No. 3, September 2013
    • "Pennsylvania Superior Court Panel Has Found That an Insured's Conduct Is Not Subject to Scrutiny in a Subsequent Bad Faith Law Suit," Defense Digest, Vol. 17, No. 3, September 2011
    • "Are Damages For Emotional Distress Recoverable In a Pennsylvania Bad Faith Lawsuit Even Though the Bad Faith Statute Does Not Provide For Such Damages?," Defense Digest, Vol. 16, No. 1, March 2010
    • "Top Court Limits The Scope of a Public Employee's First Amendment Retaliation Claim," Defense Digest, Vol. 12, No. 3, September 2006
    • "The First Amendment's Rising Popularity in Municipal Employment Litigation," Defense Digest, Vol. 10, No. 2, June 2004
    • "Is Every Worker With a Physical Impairment Afforded Protection Under the ADA?," Defense Digest, Vol. 8, No. 1, March 2002­
    • "The Anatomy of a Civil Rights Malicious Prosecution Claim," Co-Author, Defense Digest, Vol. 8, No. 1, March 2002
    • "Pennsylvania Supreme Court Limits Employment At-Will," Defense Digest, Vol. 5, No. 1, 1999
    • Summary judgment granted for insurer in a claim for breach of contract and bad faith where the homeowner made a claim for vandalism when his tenant did not finish renovating the leased premises.  The Court held that the damages were not "sudden and accidental" and that the policy exclusions for faulty workmanship and renovations were applicable as a matter of law.
    • Defense verdict against an insurance carrier for breach of contract for denying a property loss claim and also obtained a $30,000 judgment against the plaintiff under the Pennsylvania insurance fraud statute for submitting a fraudulent claim.
    • Defense verdict for a major insurance carrier in a state court statutory bad faith lawsuit.
    • Defense verdict for a Pennsylvania municipality against several police officers' claims for first amendment violations and age discrimination.
    • •Summary judgment obtained for a school district in an age discrimination and first amendment retaliation claim.
    • Defense verdict for a Pennsylvania county against a former employee's claim that she was subjected to race discrimination, racial harassment, and retaliation.
    • Summary judgment secured for employer law firm against a part-time attorney's claim that she was discriminated against, subjected to hostile work environment, and retaliated against based on her status as a working mother.
    • Defense verdict for insurance carrier in a bad faith trial arising out of the carrier's coverage position taken on an automobile stacking issue.
    • Successfully defended insurance broker in a claim for alleged negligence in failing to cancel a policy binder.
    • Defense verdict for municipal employer against a former employee's claim that he was terminated in violation of the state whistleblower law.
    • Defense verdict for municipality whose snowplow hit an oncoming vehicle head-on against claim for personal injuries of vehicle occupant.
    • Summary judgment secured for municipal employer against first amendment claims of several police officers claiming to have been defamed and subjected to a retaliatory investigation.
    • Summary judgment secured for Pennsylvania school district against former school board secretary's claim that she was terminated in violation of her first amendment rights and state whistleblower law.
    • Summary judgment secured for publicly traded company against former employee's claim that the company unevenly applied sales quotas to older workers, resulting in dismissal of the employee
    • Creasy v. Slippery Rock Area School District, 2013 U.S. Dist. LEXIS 80523
    • Whitesell v. Dobson Communications, 102 Fair Empl. Prac. Cas. (BNA), aff'd 2009 LEXIS 25791 (U.S. App.)
    • Diede v. City of McKeesport, 654 F. Supp. 2d 363 (W.D. Pa. 2009)
    • Moore v. Darlington Township, 690 F. Supp. 2d 378 (W.D. Pa. 2009)
    • Borough of West Mifflin v. Lancaster, 45 F.3d 780 (1995)
    • Heller v. Fulare, 454 F. 3d 174 (3d Cir. 2006)
    • Keefer v. Durkos, 2006 US Dist LEXIS 68519 Loughren v. USAA, 909 A.2d 896 (Pa. Super. 2006)
    • Loughren v. USAA, 909 A.2d 896 (Pa. Super. 2006)

Results

Successful Appeal of Summary Judgment in Favor of Insurer

We successfully appealed a summary judgment in favor of an insurance client that had been sued by another insurance carrier for more than $1.6 million in damages arising out of a fire loss to an insured auto repair facility. The opposing insurance company had paid $1.6 million in damages and intended to pursue a product liability claim against a vehicle manufacturer, alleging a defectively manufactured vehicle had caused the fire. Our client insured the vehicle that was allegedly defective. After the insurance companies conducted a preliminary expert evaluation, the vehicle was destroyed by a salvage yard in the normal course of business. A claim was made against our client for promissory estoppel where it was alleged the vehicle was destroyed despite a promise to preserve. The Pennsylvania Superior Court affirmed the Court of Common Pleas of Erie County’s rejection of the claims against our client and agreed with our contention that the promissory estoppel claim was a disguised claim for negligent spoliation, which the Supreme Court of Pennsylvania does not recognize. 

School District Prevails in Busing Dispute

We successfully defended a public school district that had been sued in federal court for not providing busing to charter schools within its district. The charter schools sought a temporary restraining order and a preliminary injunction to prevent the district from prioritizing busing to students attending traditional schools over those attending charter schools. The court agreed that the district was fairly maximizing its bus driver resources to service the most students possible.

Thought Leadership

Pa. Supreme Court Evaluates Constitutional Parameters of a Jury’s Punitive Damage Award

September 28, 2023

While it is well known that an insured has a clear and convincing standard of proving bad faith in order to recover such damages, it is lesser recognized that an insured does not have to prove outrageous conduct or evil motive to prove entitlement to punitive damages.

Legal Updates for Insurance Services

Pennsylvania Superior Court Addresses Stacking Waivers in Single Vehicle Policies

January 17, 2023

In Erie Ins. Exchange v. Backmeier, __A.3d__, 2022 Pa. Super. 221, the Pennsylvania Superior Court applied Pennsylvania Supreme Court precedent to determine that an insured’s waiver of stacking, executed on two single vehicle policies when issued, precluded inter-policy stacking of underinsured motorist benefits at the second priority level. Additionally, the court enforced the policies’ limit of protection to the highest applicable limit of liability under any one policy. Andrew Backmeier was tragically struck and killed by an underinsured motorist while riding his bicycle. His mother sought underinsured coverage pursuant to her two Erie policies that provided limits of $100,000 per person, unstacked. Both policies provided coverage at the second priority level under the MVFRL because they covered vehicles not involved in the accident. Erie filed a declaratory judgment action seeking a declaration that the Backmeier’s Estate’s recovery was limited to $100,000, as the Estate sought $200,000 and claimed that inter-policy stacking had not been waived on the two policies that covered only single vehicles. The Superior Court affirmed the trial court’s judgment for Erie. It applied existing precedent to conclude that the stacking waivers were valid since they were executed at the inception of the single vehicle policies, and no meaning other than waiver of inter-policy stacking could be ascribed to the waivers. Moreover, the limit of protection clause was not violative of the MVFRL because it limited recovery at the same level based upon a knowing waiver of stacking.    The material in Legal Updates for Insurance Services, January 17, 2023, has been prepared for our readers by Marshall Dennehey. It is solely intended to provide information on recent legal developments and is not intended to provide legal advice for a specific situation or to create an attorney-client relationship. We welcome the opportunity to provide such legal assistance as you require on this and other subjects. If you receive the alerts in error, please send a note to tamontemuro@mdwcg.com ATTORNEY ADVERTISING pursuant to New York RPC 7.1. © 2023 Marshall Dennehey. All Rights Reserved.

Firm Highlights

Thought Leadership

New Jersey Expands Family Leave Protections Effective July 17, 2026

On January 17, 2026, Governor Murphy signed into law legislation expanding the New Jersey Family Leave Act (NJFLA). Beginning July 17, 2026, significant amendments to the NJFLA will expand job-protected family leave to smaller businesses and more employees across the state. The new law broadens coverage by lowering the threshold for private employers from 30 employees to 15 employees, meaning many smaller businesses will now be subject to the NJFLA. Employees of state and local government agencies will continue to be covered regardless of the size of the employer. The amendments also make it easier for employees to qualify for leave. Under the revised law, an employee will be eligible after three months of employment and at least 250 hours worked during the preceding 12 months, replacing the previous requirement of 12 months of employment and 1,000 hours worked. Currently, New Jersey's Temporary Disability Insurance (TDI) and Family Leave Insurance (FLI) programs provide eligible employees with wage replacement while they are on leave but do not independently guarantee job protection. The recent amendments to the New Jersey Family Leave Act (NJFLA) expand these protections by extending job-protected leave to additional employees. Under the amended law, employees receiving TDI or FLI benefits may be entitled to return to the same position they held before taking leave, or to an equivalent position with the same seniority, status, pay, and benefits. Although the legislation also states that it does not expand or modify an employee's reinstatement rights under the NJFLA, the amendments appear to provide job protection to eligible employees receiving TDI or FLI benefits without requiring them to separately satisfy the eligibility requirements of the NJFLA or the federal Family and Medical Leave Act (FMLA). As a result, some employees may be entitled to longer periods of job-protected leave than were previously available under existing law. With these amendments, New Jersey continues to strengthen workplace protections by expanding access to job-protected family leave for eligible employees. These changes significantly expand access to job-protected family leave and may require employers to update their leave policies, employee handbooks, and HR practices. Notably, employers who were previously not required to administer NJFLA may need to amend their policies and/or create new protocols to come into compliance with the NJFLA. Failure to do so would prove costly, as the penalties for non-compliance are significant.

Result

No-Cause Jury Verdict Secured in Wrongful Death Trial

We successfully obtained a no-cause jury verdict in a 13-day wrongful death trial. The decedent, a 59-year-old man, was admitted to the emergency room on February 15, 2019, with complaints of abdominal pain, decreased appetite, and constipation, despite the use of laxatives. The patient did not complain of any nausea, vomiting, or diarrhea. He had a significant medical history including diabetes, hypertension, prior coronary artery stenting, morbid obesity (with past gastric bypass surgery), longstanding ventral hernia, and back pain. A CT scan revealed multiple hernias and a potential closed-loop bowel obstruction, leading to a surgery consultation. Our client, an emergency general surgeon, interpreted that the patient did not have a closed loop or any significant obstruction and recommended non-surgical management. The patient was approved to have clear liquids, and had a vomiting incident shortly after, but our client was not notified. The patient was returned to NPO status, and after improving overnight, he was returned to “clears” and additional medical and renal consults were ordered. Our client did not receive any communications from the residents/nurses of any changes in the patient’s condition. On February 18, 2019, two rapid responses were called due to increased heart rate and vomiting. It is believed that the vomiting resulted in aspiration, causing sepsis, ultimately leading to the patient’s death. During the trial, the plaintiff’s sole medical expert highlighted imaging on the wrong hernia, which called into question all of his opinions in the case. We made key objections related to the expert testimony, limiting what the allegations were, and preventing new allegations from being made. After approximately two and a half hours of deliberating, the jury returned a no-cause verdict. 

Thought Leadership

Congress Passes Financial Exploitation Prevention Act

On June 25, 2026, the House passed the Financial Exploitation Prevention Act of 2025 (“the Act”) by a vote of 414 to 2. The Act allows financial advisors and firms to delay suspicious transactions regarding the accounts of clients who are 65 or older, if they believe financial exploitation has occurred or is about to take place. With the advancement of technology and AI, the House’s overwhelming bipartisan passage of the Financial Exploitation Prevention Act represents an important step in strengthening the financial industry’s ability to combat the growing threat of elder financial exploitation. The Act recognizes what advisors have long known that financial professionals are often the first to detect suspicious behavior but have historically lacked clear legal authority to intervene before irreversible financial harm occurs. From the industry’s perspective, the bill accomplishes several important objectives, including the following: (1) Provides a practical “pause button” by allowing financial professionals to temporarily delay certain transaction requests when there is a reasonable belief that a senior or vulnerable adult is being financially exploited; (2) Empowers financial professionals to act by providing greater certainty that firms can act in good faith to protect clients without unnecessary legal risk; and (3) Strengthens investor protection without sacrificing client rights by allowing temporary delays based on a reasonable suspicion of exploitation, which is intended only to allow additional review and not to deny clients access to their money indefinitely. In sum, the Financial Exploitation Prevention Act will equip financial professionals with practical, carefully tailored tools to stop suspected financial exploitation before client assets are lost. By allowing firms to temporarily delay suspicious transactions under defined circumstances, Congress is recognizing the critical role advisors play as the first line of defense against increasingly sophisticated fraud schemes. The Act strikes an appropriate balance between protecting vulnerable investors and preserving individual financial autonomy, while reinforcing collaboration among advisors, families, and law enforcement to combat financial exploitation. The bill now awaits Senate action.

Thought Leadership

Mitigating Long-Tail Liability: Delaware Court Reaffirms Five-Year Workers’ Compensation Deadline

Williamson v. Donald F. Deaven, Inc., No. N25A-07-004 FWW, 2026 LX 252526 (Del. Super. Ct. June 2, 2026) Claimant was involved in a compensable industrial work accident on May 12, 1995, for a low back injury.  Following this, he received compensation for temporary total disability benefits from July 1996 to September 1996 and for sustaining a permanent impairment in 1997 and 1998. For the next 23 years, the claimant continued treatment and paid his own medical bills without submitting them to the employer’s insurer. In November 2021, the claimant filed a petition seeking payment for medical expenses, including prospective surgery and a resulting period of total disability. The employer moved to dismiss the petition, arguing it was barred by Delaware’s five-year statute of limitations (19 Del. C. § 2361(b)). Pursuant to 18 Del. C. § 3914, insurers must provide prompt written notice of the applicable statute of limitations to invoke the five-year deadline. Due to the age of the case, neither party had a comprehensive file of the claim and the Board had archived its file of the matter. The carrier’s computer system retained only bare information indicating that payments occurred and agreements and receipts were filed with the Board in 1997. While the claimant argued that the employer could not prove it provided the mandatory statutory notice, the Hearing Officer recovered the archived file, which contained two “Receipts for Compensation Paid” signed by the claimant. The receipts explicitly contained the required five-year limitation language, which the claimant testified to signing at the hearing. The claimant also attempted to introduce evidence of payments he claimed the employer made, which would have extended the statute of limitations. As a preliminary matter, the hearing officer excluded the testimony about the payments because the claimant did not produce them to the employer. The Board found in favor of the employer and dismissed the claimant’s petition as time-barred. The claimant appealed the Board’s decision, arguing that he never received adequate notice of the statute of limitations and that the hearing officer’s evidentiary ruling was an abuse of discretion. The Court held that the archived, signed receipts constituted substantial evidence that the insurer fulfilled its statutory notice requirements. Therefore, the claimant’s petition was time-barred under the statute of limitations provisions of 19 Del. C. § 2361(b). Furthermore, the Court reinforced strict procedural compliance: it rejected the claimant’s attempts to introduce evidence of payment on appeal, ruling the argument was waived for failure to preserve it while the matter was still before the Board. This recent ruling by the Court underscores the importance and necessity of robust data preservation and precise compliance with notice requirements. For risk managers, employers, and insurers, the decision highlights how tight administrative execution protects against catastrophic long-tail liability.