The defense prevailed in their representation of a major insurance carrier in an insurance coverage case involving claims by an insured business owner for coverage under a commercial general liability policy. The insured was transporting chairs and tables for his business on his truck; as he rounded a curve, some chairs fell onto the path of an oncoming motorcyclist, who reportedly sustained serious injury. The insured sought coverage not only from his vehicle policy, but also from his CGL policy, citing the claimants’ "non-vehicle" allegations, such as the insured improperly loaded the vehicle and failed to secure the load. The insurer client denied coverage on the basis that the claim fell within the motor vehicle exclusion of the CGL policy and filed declaratory judgment actions against the insured and the injured claimants. The Luzerne County Court of Common Pleas granted summary judgment in favor of our client and the Superior Court affirmed in a memorandum decision. The Superior Court held that the allegations of the complaint against the insured fell within the exclusion because they were claims "arising out of" the use of a vehicle, which included loading and unloading the vehicle. The Superior Court denied the insured’s and claimants’ application for rehearing en banc.