The opinion of the court was delivered by KLEINER, J.A.D.
John Proffitt is the named insured under an automobile liability insurance policy issued by defendant, Prudential Property and Casualty Insurance Company of New Jersey. Proffitt's Prudential policy provides $100,000 in underinsured motorist (UIM) coverage. On April 22, 1993, Proffitt, while operating a vehicle
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