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FRENCH v. NJ SCHOOL BD. INS. GROUP

149 N.J. 478 (1997)

694 A.2d 1008

DIANA FRENCH, PLAINTIFF-APPELLANT, v. NEW JERSEY SCHOOL BOARD ASSOCIATION INSURANCE GROUP, A CORPORATION; NEW JERSEY SCHOOL BOARD ASSOCIATION INSURANCE GROUP, AN UNINCORPORATED ASSOCIATION; HUDSON COUNTY AREA VOCATIONAL-TECHNICAL SCHOOLS, DEFENDANTS-RESPONDENTS, AND JOHN DOE CORP. 1 THROUGH 5, DEFENDANTS.

The Supreme Court of New Jersey.

Decided June 25, 1997.

Attorney(s) appearing for the Case

Alan L. Krumholz argued the cause for appellant.

Paul G. Witko argued the cause for respondent (Purcell, Ries, Shannon, Mulcahy & O'Neill, attorneys; David M. Hawkins, of counsel).

The opinion of the Court was delivered by O'HERN, J.

This appeal concerns the rights and obligations of parties under an insurance endorsement defining an increasingly vexatious subject — underinsured motorist (UIM) benefits. Simply stated, UIM coverage provides to an insured a measure of added protection against the risk of being injured by a negligent driver having an inadequate limit of liability insurance to cover the extent of the insured's injuries. The...

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