As a result of a recent PA Supreme Court decision, insurance companies are no longer required to include arbitration clauses in insurance polices. Prior to this decision, arbitration was mandatory in underinsurance claims. Now, arbitration is optional. Some insurance companies in PA are continuing to arbitrate, others are not, and some are making arbitration available only if agreed to on a case-by-case basis. Therefore, it is very important that consumers keep their complete insurance policy in a safe place so it can be located in the event of a motor vehicle accident. A personal injury lawyer will want to see this policy as soon as possible after being hired.