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KROHN v. NJ FULL INS. UNDERWRITERS

720 A.2d 640 (1998)

316 N.J. Super. 477

Dawn KROHN, Plaintiff-Respondent, v. NEW JERSEY FULL INSURANCE UNDERWRITERS ASSOCIATION (State Farm Insurance Company is the Servicing Carrier), Defendant-Appellant, American Hardware Insurance Company, Defendant-Respondent.

Superior Court of New Jersey, Appellate Division.

Decided December 8, 1998.

Attorney(s) appearing for the Case

Stanley H. Needell, Trenton, for defendant-appellant (Needell, Siekerka & Castellani, attorneys; Robert F. Miller, on the brief).

Andrew J. Rossetti, Cherry Hill, for plaintiff-respondent Dawn Krohn (Ferrara & Rossetti, attorneys; Mr. Rossetti, on the brief).

John M. Palm, Cherry Hill, for defendant-respondent American Hardware Insurance Company (Garrigle, Palm & Thomasson, attorneys; Mr. Palm, on the brief).

Before Judges BAIME, CONLEY and KIMMELMAN.

The opinion of the court was delivered by BAIME, P.J.A.D.

Following a lengthy jury trial, plaintiff was awarded $250,000 on her claim for underinsured motorist coverage (UIM) against the New Jersey Automobile Full Insurance Underwriting Association. The Association appeals. We reverse.

I.

Plaintiff was involved in two automobile accidents. One occurred on September 6, 1988, and the other on March 4, 1990. The 1988 accident allegedly resulted in severe...

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