The opinion of the court was delivered by
KESTIN, J.A.D.
Jacquelyn Osterman, a passenger on a motorcycle involved in a one-vehicle accident, sought $85,000 in underinsured motorist (UIM) benefits from Wausau Insurance Company (Wausau) under a policy insuring her as a member of her mother's household, and from Prudential Property and Casualty Insurance Company of New Jersey (Prudential) under her own policy. Both carriers acknowledged coverage, but each took...
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