¶ 1 Appellant, Prudential Property and Casualty Insurance Company, appeals from an order dated June 2, 1997, in the Court of Common Pleas of Philadelphia County. We affirm and hold that the “regularly used non-owned car” exclusion is void as against public policy under the facts of this case.
FACTS:
¶ 2 On September 4,1998, Appellees, Sid and Doreen Burstein, were returning from dinner and a movie when a speeding motorcyclist struck their automobile. The automobile, which was being driven by Mr. Burstein at the time, had been provided to Mrs. Burstein by her employer; Mrs. Bur-stein was in the passenger seat when the accident occurred.1 Although Mrs. Bur-stein used the vehicle primarily for business purposes, she paid a $25.00 weekly fee allowing her and her husband to drive it for personal use.2 Mrs. Burstein’s employer did not notify her of the types of coverage he had purchased for the company vehicle, nor did he give her the option to change such coverage. Stipulated Facts, at ¶¶ 12,14.
¶3 After the accident,. Appellees recovered from the negligent motorcyclist’s insurance carrier. Appellees were not, however, fully compensated for their injuries because the liability limits of the motorcyclist’s insurance policy proved inadequate. As such, Appellees submitted a claim for underinsured motorist coverage under Mrs. Burstein’s employer’s insurance policy. It was at that time that Appellees *686were informed that the employer’s policy did not include underinsured motorist coverage. Appellees therefore filed a claim for underinsured motorist benefits under their personal policy; Appellees owned three motor vehicles, all insured under a single policy with Appellant that provided both liability and underinsured motorist coverage. Appellant subsequently denied coverage based on a policy exclusion for a “regularly used non-owned car” not insured under their policy.3
¶ 4 Appellees thereafter filed suit, and on March 14, 1996, a panel of arbitrators found that the exclusion violated public policy when applied to Mr. Burstein but upheld it in regard to Mrs. Burstein. Both Appellees and Appellant petitioned the trial court for a modification of the arbitrator’s decision to reflect their respective positions. The trial court found that the exclusion violated public policy in regard to both Appellees, thereby affirming the arbitrator’s decision as to Mr. Burstein but reversing it as to Mrs. Burstein. A divided panel of this Court affirmed the trial court’s decision. This appeal followed.
DISCUSSION:
¶ 5 Appellant raises one issue on appeal: whether the trial court erred in finding that the “regularly used non-owned car” exclusion contained in Appellees’ insurance policy was void as against public policy. We note at the outset that we will reverse a trial court’s decision to vacate an arbitration award only for an abuse of discretion or error of law. Patton v. J.C. Penney Ins. Co., 445 Pa.Super. 317, 665 A.2d 510 (1995). However, where the trial court determines that a provision in an insurance policy violates the public policy of this Commonwealth, our standard of review is plenary as said issue presents a question of law for our determination. See generally Phillips v. A-Best Products Co., 542 Pa. 124, 130, 665 A.2d 1167, 1170 (1995).
¶ 6 The particular policy exclusion in question provided that Appellees were not entitled to recover underinsured motorist coverage if they were using a regularly used, non-owned vehicle not insured under their policy.4 Appellees argue, and the trial court agreed, that because underin-sured motorist coverage follows the person, not the vehicle, and because the Motor Vehicle Financial Responsibility Law (MVFRL)5 is to be liberally construed to provide the fullest possible coverage, this particular exception is void as against public policy. Appellant, on the other hand, claims that voiding such an exclusion would not further the public policy of this Commonwealth but rather would hinder it, citing to other public policy as well as prior case law.
¶ 7 In deciding whether a provision of an insurance contract should be held void as against public policy, we are mindful of the following:
“Public policy is to be ascertained by reference to the laws and legal precedents and not from general considerations of supposed public interest. As the term ‘public policy’ is vague, there must be found definite indications in the law of the sovereignty to justify the invalidation of a contract as contrary to that policy.... Only dominant public policy would justify such action. In the absence of a plain indication of that policy through long governmental practice *687or statutory enactments, or of violations of obvious ethical or moral standards, the Court should not assume to declare contracts ... contrary to public policy. The courts must be content to await legislative action.”
Hall v. Amica Mut. Ins. Co., 538 Pa. 337, 347-48, 648 A.2d 755, 760 (1994) (quoting Muschany v. United States, 324 U.S. 49, 66-67, 65 S.Ct. 442, 451, 89 L.Ed. 744, 756 (1945)) (alterations in original).
“It is only when a given policy is so obviously for or against the public health, safety, morals or welfare that there is a virtual unanimity of opinion in regard to it, that a court may constitute itself the voice of the community in so declaring. There must be a positive, well-defined, universal public sentiment, deeply integrated in the customs and beliefs of the people and in their conviction of what is just and right and in the interest of the public weal.... Only in the clearest cases, therefore, may a court make an alleged public policy the basis of judicial decision.”
Id. (quoting Mamlin v. Genoe, 340 Pa. 320, 325, 17 A.2d 407, 409 (1941)) (alteration in original). Moreover, a key focus in deciding whether to uphold a policy exclusion, which operates to deny coverage to an injured party, is on the factual circumstances of the particular case. Paylor v. Hartford Ins. Co., 536 Pa. 583, 587, 640 A.2d 1234, 1235 (1994).
¶ 8 We note, however, that we are not called upon in this case to decide whether a particular concept is so engrained in our customs and beliefs that it rises to the level of public policy; both Appellant and Appellees cite to public policies that are well-defined and universally accepted in this Commonwealth. Rather, it is the duty of this Court to weigh those competing public policy interests and determine which interest prevails under the circumstances presented. We find that the prevailing policies are those which favor voiding the exclusion.
¶ 9 The first public policy in favor of voiding the exclusion is that the MVFRL was enacted in order to establish a liberal compensatory scheme of underinsured motorist protection, Marroquin v. Mutual Benefit Ins. Co., 404 Pa.Super. 444, 591 A.2d 290, 293 (1991), and should be construed to provide the greatest possible coverage to injured claimants. Danko v. Erie Ins. Exch., 428 Pa.Super. 223, 630 A.2d 1219, 1222 (1993), aff'd 538 Pa. 572, 649 A.2d 935 (1994). “ ‘In close or doubtful cases, we must interpret the intent of the legislature and the language of insurance policies to favor coverage for the insured.’ ” Allwein v. Donegal Mut. Ins. Co., 448 Pa.Super. 364, 671 A.2d 744, 751 (en banc), appeal denied, 546 Pa. 660, 685 A.2d 541 (1996) (quoting Motorists Ins. Companies v. Emig, 444 Pa.Super. 524, 664 A.2d 559, 566 (1995)).
¶ 10 The second public policy favoring Appellees’ position is that it is in the public’s best interest for insurance companies to provide underinsured motorist coverage. Marroquin, supra at 296 (stating that “this Commonwealth considers under-insured motorist coverage to be in the public interest”). Underinsured motorist coverage is designed to protect an insured from a negligent driver of another vehicle, who causes injury to the insured and lacks adequate insurance coverage to compensate the insured for those injuries. Eichelman v. Nationwide Ins. Co., 551 Pa. 558, 711 A.2d 1006 (1998); Paylor, supra; Wolgemuth v. Harleysville Mut. Ins. Co., 370 Pa.Super. 51, 535 A.2d 1145 (en banc), appeal denied, 520 Pa. 590, 551 A.2d 216 (1988). Prior to the passage of the MVFRL, motor vehicle drivers were required to carry uninsured motorist coverage but not underinsured motorist coverage.6 As a result, an individual involved in a motor vehicle accident was in a better *688position if injured by a negligent driver who was uninsured rather than one who had insurance but whose liability limits were inadequate. In an attempt to rectify this inequity, the legislature passed the MVFRL, requiring insurers to offer un-derinsured motorist coverage. 75 Pa.C.S. § 1781(a).7 Appellees are precisely the type of individuals who underinsured motorist coverage was designed to protect— individuals injured by a tortfeasor with inadequate insurance coverage.
¶ 11 Finally, the public policy we find most persuasive is that underinsured motorist coverage is first-party coverage and therefore necessarily follows the person, not the vehicle. Wolgemuth, supra. This means that if an individual purchases underinsured motorist coverage, that individual will be protected from negligent drivers with inadequate coverage regardless of the vehicle in which he or she happens to be injured. We have stated in the past that “ ‘[ojrdinarily, a passenger injured in a one-car accident involving someone else’s car ... would be able to recover underinsured motorist benefits under his or her own underinsured motorist coverage.’ ” Id. at 1150 (quoting Myers v. State Farm Mut. Auto. Ins. Co., 336 N.W.2d 288, 291 (Minn.1983)).
¶ 12 The statutory language of the MVFRL evidences this key concept; the language clearly contemplates a situation in which an insurance company will be required to provide underinsured motorist coverage for an insured who is injured while using a vehicle not covered under one of its policies. When an individual is injured in a motor vehicle accident, the tortfeasor’s insurance carrier must compensate that individual for his or her injuries. See generally 75 Pa.C.S. §§ 1701-1799.7. If the tortfeasor’s policy limits are inadequate, the individual is also entitled to recover underinsured motorist coverage from his or her personal insurance carrier, provided that the individual did not waive such coverage. Where the insured is covered by more than one policy providing underinsured motorist coverage, however, the MVFRL specifically states that the policy covering the motor vehicle involved in the accident must pay first, followed by the “policy covering a motor vehicle not involved in the accident with respect to which the injured persdn is an insured.” 75 Pa.C.S. § 1733(a)(2) (emphasis added).8 This Court finds that voiding the “regularly used non-owned car” exclusion under the facts of this case furthers the aforementioned public policies by providing the greatest possible coverage to the Appel-lees, by compensating them for injuries *689caused by a tortfeasor who had inadequate coverage, and by allowing them to recover underinsured motorist coverage they had specifically paid for under their policy with Appellant.
¶ 13 Appellant, on the other hand, argues that voiding the exclusion violates other public policy of this Commonwealth, namely that the legislature’s goal in enacting the MVFRL was to alleviate “the spi-ralling consumer cost of automobile insurance and the resultant increase in the number of uninsured motorists driving on public highways.” Paylor, supra at 587, 640 A.2d at 1235. See also Eichelman, supra. The insurance policy issued to Ap-pellees covered certain non-owned vehicles — replacement cars, additional cars, and substitute cars. Appellant asserts that most insurance companies are willing to assume the risk of an insured getting in an accident involving one of these vehicles, without raising premiums, because the use of these vehicles is infrequent and the risk of injury is therefore slight. In fact, Appellant acknowledges that the cost associated with such a risk is actually built into the premiums it currently charges.
¶ 14 However, as the frequency of operating the vehicle increases, so does the risk that the insured will be injured by an underinsured motorist. Voiding this particular exclusion in every insurance policy would essentially require insurance companies to provide underinsured motorist coverage for all company cars used by their insureds when such coverage was never discussed, contemplated or paid for by the insured, a risk many insurance companies would deem substantial. Appellant argues that because insurance companies are not willing to insure against a risk they perceive as substantial, the most likely result would be an increase in premiums, which would clearly be contrary to the public policy underlying the MVFRL. See generally Hall, supra at 349, 648 A.2d at 761 (noting that there is a direct correlation between the premiums paid by the insured and the coverage the claimant should reasonably expect to receive). Because of the likelihood of an increase in insurance premiums, Appellant argues that this Court should uphold the “regularly used non-owned car” exclusion.
¶ 15 If we were to adopt Appellant’s logic, however, this Court would never be able to find an exclusion void on the basis that it violated public policy. Exclusions by their nature preclude an insured from recovering a certain type of insurance coverage — whether it be liability, uninsured, or underinsured — in a particular situation and therefore effectively limit costs. Voiding an exclusion necessarily makes insurance companies provide more coverage than anticipated, thereby creating the possibility of an increase in premiums. This Court has, however, specifically voided policy exclusions in the past despite the possibility of an increase in insurance premiums. See Marroquin, supra at 293 (voiding the family car exclusion as against public policy under the facts of the case).
¶ 16 Furthermore, upon a closer look at the public policy cited by Appellant, we find that it would not be impaired by voiding the exclusion in this case. To alleviate the spiralling cost of insurance, the legislature drafted the MVFRL to encourage motor vehicle drivers to purchase insurance — increasing the pool of insured motorists would necessarily reduce the cost of insurance. One method of encouraging drivers to purchase insurance was by denying benefits to those who were involved in an accident but who did not have insurance.9 The MVFRL therefore has “ ‘the effect of requiring all owners of registered *690vehicles to share in the burden of insurance before they can obtain the benefits [of coverage].’ ” Windrim v. Nationwide Ins. Co., 537 Pa. 129, 134, 641 A.2d 1154, 1157 (1994) (quoting Allen v. Erie Ins. Co., 369 Pa.Super. 6, 534 A.2d 839, 840-41 (1987)).
¶ 17 Moreover, providing individuals an incentive to insure their vehicles has been the basis of the holdings in two recent Pennsylvania Supreme Court cases. In Eichelman v. Nationwide Insurance Co., supra, the injured party waived underin-sured motorist coverage under his personal policy but later tried to recover such benefits from two other policies — one maintained by his mother and the other by her husband.10 In Windrim v. Nationwide Insurance Co., supra, the plaintiff was injured by a hit-and-run driver while operating an uninsured vehicle and tried to recover uninsured motorist benefits from his mother’s policy. In both cases, our Supreme Court upheld a family car exclusion clause which stated that the insurer would not provide umnsured/underinsured motorist coverage to an insured who was injured while occupying a motor vehicle owned by the insured or a relative that was not insured for uninsured/underin-sured motorist coverage under the policy. One of the main reasons for the Court’s holding in both cases was that voiding the exclusion under those particular facts would have had the effect of allowing an entire family, living in one household with numerous automobiles, to obtain underin-sured motorist coverage for all of those vehicles by simply purchasing an insurance policy covering only one vehicle. Eichelman, supra at 567, 711 A.2d at 1010; Windrim, supra at 136, 641 A.2d at 1158. This rationale suggests that an exclusion will be upheld when it provides an incentive to individuals to purchase insurance.
¶ 18 Upholding the “regularly used non-owned car” exclusion in the case sub judi-ce, however, would not have provided an incentive for Appellees to purchase insurance. Appellees obtained both liability and underinsured motorist coverage on all of the vehicles that they owned and paid $25.00 per week to allow them to drive Mrs. Burstein’s company car for personal use. Appellees were not trying to avoid their responsibility of purchasing insur-. anee or to deceive their insurance company into providing coverage not bargained for. To the contrary, Appellees acted in full accordance with the MVFRL, obtaining both liability and underinsured motorist coverages on all three of the vehicles they owned.
¶ 19 In regard to the company vehicle, Appellees were not operating a vehicle that they knew was not covered by under-insured motorist coverage as was the case in Eichelman, supra. Mrs. Burstein was never made aware of the types of insurance which covered the company vehicle nor was she advised that her employer waived underinsured motorist coverage.11 Further, even if she had known that such coverage was waived, she would not have been given the option to add it to her employer’s insurance policy.12 We there*691fore find that the public policy cited by Appellant would not be furthered by upholding the exclusion in this case. See Paylor, supra at 587, 640 A.2d at 1240 (noting that “[t]he enforceability of the [family car] exclusion is dependent upon the factual circumstances presented in each case”).
¶ 20 In sum, we find that in this case the public policies in favor of voiding the exclusion supersede that which favors upholding it. We therefore hold that under the present facts — where an insured has complied with both the letter and spirit of the MVFRL and was not notified that the vehicle he or she was regularly using was not covered by underinsured motorist coverage — the policy provision denying under-insured motorist coverage for a “regularly used non-owned car” is void as against public policy.
CONCLUSION:
¶21 Accordingly, we affirm the order dated June 2, 1997, in the Court of Common Pleas of Philadelphia County, voiding the “regularly used non-owned car” exclusion in Appellees’ insurance policy as against public policy.
¶ 22 McEWEN, President Judge, files a Concurring and Dissenting Statement, joined by FORD ELLIOTT, J. and LALLY-GREEN, J.
¶ 23 CAVANAUGH, J., files a Dissenting Opinion, joined by POPOVICH and JOHNSON, JJ.
. We note that both the trial court opinion and our panel Memorandum indicate that Mrs. Burstein was driving the vehicle. However, according to the facts stipulated to by the parties, Mr. Burstein was operating the vehicle at the time of the accident.
. Appellees indicate that they drove the company vehicle on the night in question by chance because it was parked at the end of the driveway, thereby blocking their other vehicles.
. The exclusion provided as follows: "We will not pay for bodily injury to you or a household resident using a non-owned car not insured under this part, regularly used by you or a household resident."
. Appellees do not dispute that the language of the policy exclusion, as applied, would bar their recovery of underinsured motorist coverage from Appellant. See Insurance Co. of the State of Pennsylvania v. Hampton, 441 Pa.Super. 382, 657 A.2d 976, 977-78, appeal denied, 542 Pa. 647, 666 A.2d 1056 (1995) (stating that where a provision of a contract is clear and unambiguous, it will be applied as written).
. 75 Pa.C.S. §§ 1701-1799.7.
. Pennsylvania had in place the No-Fault Motor Vehicle Insurance Act, 40 P.S. § 1009.101.
. When first enacted, the MVFRL required all automobile drivers to carry both uninsured and underinsured motorist coverages. It was subsequently amended in 1990 to eliminate this mandatory requirement. The MVFRL currently requires insurers to offer both uninsured and underinsured motorist coverages but makes purchase of such coverage by the insured optional. In contrast, the MVFRL requires all insureds to maintain liability coverage on the vehicles they own. See 75 Pa. C.S. § 1786(a).
. According to the language in section 1733(a)(2), if Mrs. Burstein’s employer had purchased underinsured motorist coverage for this company vehicle and that coverage proved inadequate, Appellees would have also been entitled to recover underinsured motorist coverage from their personal policy with Appellant; this recovery would be mandated despite the fact that their policy did not specifically cover the company vehicle, and seemingly without regard to any policy exclusion. Section 1733 further states that “[t]he insurer against whom a claim is asserted first ... shall process and pay the claim as if wholly responsible.... The insurer is thereafter entitled to recover contribution pro rata from any other insurer....” 75 Pa.C.S. 1733(b). Inasmuch as Appellant would have been required to provide underinsured motorist coverage to Appellees had Mrs. Burstein's employer purchased underinsured motorist coverage and that coverage had also proved inadequate, query whether the employer’s failure to offer Mrs. Burstein such coverage or, at the very least, to notify her that such coverage had been waived gives Appellant the right to sue the employer. As that issue is not one of the questions presented to this Court, however, we cannot address it.
. For example, section 1714 of the MVFRL specifically states the following:
An owner of a currently registered motor vehicle who does not have financial responsibility or an operator or occupant of a recreational vehicle not intended for highway use, motorcycle, motor-driven cycle, motorized pedalcycle or like type vehicle required to be registered under this title cannot recover first party benefits.
75 Pa.C.S. § 1714 (emphasis added).
. At the time of the accident, plaintiff was living at his mother’s residence. He claimed that he was entitled to recover underinsured motorist benefits under the two policies because each provided underinsured motorist coverage to the named insured and any relative who resided with the named insured. Id.
. We are compelled to note that had Appel-lees known that Mrs. Burstein’s employer waived underinsured motorist coverage, their decision to drive the company vehicle would have, at the very least, been an informed one. In fact, had they known, it is possible that they would have chosen to drive one of the vehicles they owned, all of which were specifically covered by underinsured motorist coverage, rather than the company vehicle.
. We are mindful of the argument that voiding this exclusion provides no incentive for employers to purchase underinsured motorist coverage for their company vehicles, since their employees may obtain such coverage under their personal insurance policies in certain situations. However, given the fact that employers have no incentive to purchase such coverage even with this policy exclusion, such an argument carries little weight.