In many states, a pre-answer default is of little moment and is easily vacated. Not so in Pennsylvania! As a trial court (in Firedex of Butler, Inc. v. Dicarjust has just confirmed, in PA, to vacate a default you need both an excuse for the default and a meritorious defense. In the absence of such proof, even if there is insurance, the default will not be vacated. Litigants and insurers should thus be equally vigilant.